Public liability insurance in Ludlow

Ludlow is a Shropshire market town renowned for its food and gastronomy — a centre of festivals, independent food businesses and hospitality — set around a medieval castle and a heritage core. Public liability — cover for third-party injury or damage to the public's property — is, in Ludlow, largely about its food businesses, events and visitors.

Where the claims come from in Ludlow

The town's renowned food, drink and hospitality trade — restaurants, producers and its food festivals — carries footfall and event exposure, concentrated when its festivals draw crowds. Its heritage-tourism venues bring visitor footfall, and its independent retail and market add pedestrian exposure.

A Ludlow example

A food festival fills the town with visitors. A member of the public is injured when a catering marquee structure gives way in a crowd. The organiser's public liability responds — the concentrated footfall exposure a large food event creates.

What the cover does

Public liability responds to compensation and legal costs where your business is responsible for injury to the public or damage to their property. Ludlow's food, event and hospitality contracts set the limit — commonly £5m, and higher for large events.

Placing it in Ludlow with Apex

Apex Insurance Brokers is FCA authorised (FRN 724952) and has placed commercial cover since 2009, with access to more than 30 insurer markets including Lloyd's via wholesale. A named broker handles the account from first contact — matching cover to a food business, an event operator or a hospitality venue.