Grazing Land, Moorland,
Woodland & Pasture Land
| Land Size | £1M LOI | £2M LOI | £5M LOI | £10M LOI |
| Up to 2 Acres | £84 | £113 | £143 | £172 |
| Up to 5 Acres | £125 | £155 | £202 | £231 |
| Up to 10 Acres | £139 | £175 | £223 | £231 |
| Up to 15 Acres | £139 | £175 | £223 | £251 |
| Up to 20 Acres | £139 | £175 | £223 | £293 |
| Up to 25 Acres | £163 | £199 | £264 | £325 |
| Up to 30 Acres | £163 | £199 | £264 | £350 |
| Up to 35 Acres | £163 | £199 | £264 | £375 |
| Up to 40 Acres | £210 | £273 | £342 | £404 |
| Up to 45 Acres | £231 | £334 | £374 | £437 |
| Up to 75 Acres | £334 | £453 | £511 | £581 |
| Up to 100 Acres | £437 | £573 | £642 | £725 |
| Up to 150 Acres | £520 | £682 | £765 | £865 |
| Up to 200 acres | £619 | £813 | £913 | £1,033 |
| Over 200 Acres | Refer | Refer | Refer | Refer |
Rough
Country
| Land Size | £1M LOI | £2M LOI | £5M LOI | £10M LOI |
| Up to 2 Acres | £113 | £127 | £175 | £221 |
| Up to 5 Acres | £127 | £145 | £199 | £221 |
| Up to 10 Acres | £139 | £175 | £223 | £256 |
| Up to 15 Acres | £139 | £175 | £223 | £292 |
| Up to 20 Acres | £139 | £175 | £223 | £319 |
| Up to 25 Acres | £163 | £199 | £264 | £346 |
| Up to 30 Acres | £163 | £199 | £264 | £374 |
| Up to 35 Acres | £163 | £199 | £264 | £405 |
| Up to 40 Acres | £273 | £330 | £404 | £425 |
| Up to 45 Acres | £280 | £354 | £437 | £452 |
| Up to 75 Acres | £420 | £539 | £639 | £668 |
| Up to 100 Acres | £560 | £721 | £828 | £883 |
| Over 100 Acres | Refer | Refer | Refer | Refer |
Development
Site
| Land Size | £1M LOI | £2M LOI | £5M LOI | £10M LOI |
| Up to 2 Acres | £143 | £202 | £320 | £378 |
| Up to 5 Acres | £184 | £260 | £390 | £448 |
| Up to 10 Acres | £242 | £320 | £461 | £531 |
| Up to 15 Acres | £289 | £378 | £531 | £602 |
| Up to 20 Acres | £336 | £437 | £602 | £666 |
| Up to 25 Acres | £378 | £495 | £666 | £725 |
| Up to 30 Acres | £419 | £555 | £725 | £783 |
| Up to 35 Acres | £461 | £613 | £783 | £843 |
| Up to 40 Acres | £495 | £672 | £843 | £908 |
| Up to 45 Acres | £525 | £731 | £908 | £966 |
| Over 45 Acres | Refer | Refer | Refer | Refer |
Self Build & Allotments
| Land Size | £1M LOI | £2M LOI | £5M LOI | £10M LOI |
| Up to 2 Acres | £172 | £219 | £349 | £437 |
| Up to 5 Acres | £225 | £278 | £407 | £508 |
| Up to 10 Acres | £284 | £336 | £490 | £578 |
| Up to 15 Acres | £331 | £396 | £572 | £649 |
| Up to 20 Acres | £378 | £454 | £660 | £719 |
| Up to 25 Acres | £419 | £501 | £725 | £790 |
| Up to 30 Acres | £461 | £548 | £783 | £861 |
| Up to 35 Acres | £495 | £589 | £843 | £931 |
| Up to 40 Acres | £525 | £619 | £901 | £1,002 |
| Up to 45 Acres | £555 | £654 | £966 | £1,060 |
| Over 45 Acres | Refer | Refer | Refer | Refer |
Private Gardens
| Land Size | £1M LOI | £2M LOI | £5M LOI | £10M LOI |
| Up to 2 Acres | £113 | £166 | £202 | £237 |
| Up to 5 Acres | £143 | £195 | £260 | £320 |
| Up to 10 Acres | £190 | £242 | £313 | £372 |
| Up to 15 Acres | £237 | £284 | £367 | £425 |
| Over 15 Acres | Refer | Refer | Refer | Refer |
Fishing Lakes
| Land Size | £1M LOI | £2M LOI | £5M LOI | £10M LOI |
| Up to 2 Acres | £437 | £555 | £613 | Refer |
| Up to 5 Acres | £525 | £625 | £790 | Refer |
| Up to 10 Acres | £731 | £872 | £1,083 | Refer |
| Up to 15 Acres | £790 | £989 | £1,201 | Refer |
| Up to 20 Acres | £942 | £1,136 | £1,413 | Refer |
| Over 20 Acres | Refer | Refer | Refer | Refer |
*20% loading if boats are hired out and condition to be applied.
Private Road
| Land Size | £1M LOI | £2M LOI | £5M LOI | £10M LOI |
| Up to 2 Acres | £113 | £166 | £202 | £237 |
| Up to 5 Acres | £143 | £195 | £260 | £320 |
| Up to 10 Acres | £190 | £242 | £313 | £372 |
| Up to 15 Acres | £237 | £284 | £367 | £425 |
| Up to 20 Acres | £278 | £320 | £414 | £466 |
| Up to 25 Acres | £313 | £354 | £454 | £508 |
| Up to 30 Acres | £343 | £390 | £490 | £548 |
| Up to 35 Acres | £360 | £425 | £525 | £595 |
| Up to 40 Acres | £378 | £461 | £566 | £625 |
| Up to 45 Acres | £390 | £495 | £613 | £666 |
| Up to 75 Acres | £589 | £760 | £901 | £989 |
| Up to 100 Acres | £790 | £1,018 | £1,172 | £1,313 |
| Over 100 Acres | Refer | Refer | Refer | Refer |
Car Parks
| Land Size | £1M LOI | £2M LOI | £5M LOI | £10M LOI |
| Up to 50 spaces | £231 | £273 | £336 | Refer |
| Up to 100 spaces | £378 | £448 | £555 | Refer |
| Up to 150 spaces | £495 | £589 | £731 | Refer |
| Up to 200 spaces | £613 | £731 | £908 | Refer |
| Over 200 spaces | Refer | Refer | Refer | Refer |
Arable Land
| Land Size | £1M LOI | £2M LOI | £5M LOI | £10M LOI |
| Up to 2 Acres | £202 | £232 | £284 | £371 |
| Up to 5 Acres | £209 | £237 | £290 | £378 |
| Up to 10 Acres | £213 | £243 | £296 | £382 |
| Up to 15 Acres | £220 | £249 | £303 | £390 |
| Up to 20 Acres | £225 | £256 | £307 | £395 |
| Up to 25 Acres | £232 | £260 | £314 | £401 |
| Up to 30 Acres | £237 | £267 | £320 | £406 |
| Up to 35 Acres | £243 | £273 | £326 | £414 |
| Up to 40 Acres | £249 | £279 | £331 | £418 |
| Up to 45 Acres | £256 | £284 | £337 | £425 |
| Up to 75 Acres | £290 | £326 | £397 | £526 |
| Up to 100 Acres | £320 | £354 | £425 | £555 |
| Up to 150 Acres | £570 | £748 | £839 | £949 |
| Up to 200 acres | £678 | £892 | £1,002 | £1,134 |
The premium on this guide is an indication only. A full quote will need to be done for full policy terms as underwriting factors may affect premium and terms. All premiums are rounded up to the nearest £ and are inclusive of IPT & £25 Fee.
£1M PL
| Turnover | Group 1 | Group 2 | Group 3 |
| Up to £10,000 | £54 | £72 | £90 |
| Up to £17,500 | £72 | £90 | £108 |
| Up to £25,000 | £90 | £108 | £126 |
| Up to £50,000 | £108 | £126 | £144 |
| Up to £100,000 | £155 | £194 | £234 |
| Up to £150,000 | £207 | £259 | £353 |
| Up to £200,000 | £232 | £299 | £517 |
| Up to £250,000 | £312 | £522 | £716 |
| Up to £300,000 | £335 | £664 | £736 |
| Up to £350,000 | £526 | £893 | £979 |
| Up to £400,000 | £799 | £1,030 | £1,145 |
| Up to £450,000 | £896 | £1,087 | £1,147 |
| Up to £500,000 | £990 | £1,278 | £1,582 |
£2M PL
| Turnover | Group 1 | Group 2 | Group 3 |
| Up to £10,000 | £72 | £96 | £120 |
| Up to £17,500 | £96 | £120 | £144 |
| Up to £25,000 | £120 | £144 | £168 |
| Up to £50,000 | £144 | £168 | £192 |
| Up to £100,000 | £206 | £259 | £312 |
| Up to £150,000 | £276 | £346 | £470 |
| Up to £200,000 | £310 | £398 | £689 |
| Up to £250,000 | £416 | £696 | £955 |
| Up to £300,000 | £446 | £886 | £982 |
| Up to £350,000 | £701 | £1,190 | £1,306 |
| Up to £400,000 | £1,066 | £1,373 | £1,526 |
| Up to £450,000 | £1,195 | £1,450 | £1,529 |
| Up to £500,000 | £1,320 | £1,704 | £2,110 |
£5M PL
| Turnover | Group 1 | Group 2 | Group 3 |
| Up to £10,000 | £90 | £120 | £150 |
| Up to £17,500 | £120 | £150 | £180 |
| Up to £25,000 | £150 | £180 | £210 |
| Up to £50,000 | £180 | £210 | £240 |
| Up to £100,000 | £258 | £324 | £390 |
| Up to £150,000 | £345 | £432 | £588 |
| Up to £200,000 | £387 | £498 | £861 |
| Up to £250,000 | £520 | £870 | £1,194 |
| Up to £300,000 | £558 | £1,107 | £1,227 |
| Up to £350,000 | £876 | £1,488 | £1,632 |
| Up to £400,000 | £1,332 | £1,716 | £1,908 |
| Up to £450,000 | £1,494 | £1,812 | £1,911 |
| Up to £500,000 | £1,650 | £2,130 | £2,637 |
£10M PL
| Turnover | Group 1 | Group 2 | Group 3 |
| Up to £10,000 | £113 | £150 | £188 |
| Up to £17,500 | £150 | £188 | £225 |
| Up to £25,000 | £188 | £225 | £263 |
| Up to £50,000 | £225 | £263 | £300 |
| Up to £100,000 | £323 | £405 | £488 |
| Up to £150,000 | £431 | £540 | £735 |
| Up to £200,000 | £484 | £623 | £1,076 |
| Up to £250,000 | £650 | £1,088 | £1,493 |
| Up to £300,000 | £698 | £1,384 | £1,534 |
| Up to £350,000 | £1,095 | £1,860 | £2,040 |
| Up to £400,000 | £1,665 | £2,145 | £2,385 |
| Up to £450,000 | £1,868 | £2,265 | £2,389 |
| Up to £500,000 | £2,063 | £2,663 | £3,296 |
EL (Optional)
| Turnover | Group 1 | Group 2 | Group 3 |
| Up to £10,000 | £60 | £80 | £100 |
| Up to £17,500 | £80 | £100 | £120 |
| Up to £25,000 | £100 | £120 | £140 |
| Up to £50,000 | £120 | £140 | £160 |
| Up to £100,000 | £172 | £216 | £260 |
| Up to £150,000 | £230 | £288 | £392 |
| Up to £200,000 | £258 | £332 | £574 |
| Up to £250,000 | £346 | £580 | £796 |
| Up to £300,000 | £372 | £738 | £818 |
| Up to £350,000 | £584 | £992 | £1,088 |
| Up to £400,000 | £888 | £1,144 | £1,272 |
| Up to £450,000 | £996 | £1,208 | £1,274 |
| Up to £500,000 | £1,100 | £1,420 | £1,758 |
Group Details
| Group 1 | Group 2 | Group 3 |
| Carpet & Upholstery Cleaners | Conservatory Cleaners | Building Cleaners |
| Domestic Household Cleaners | Gutter & Fascia Cleaners | Drain Cleaners |
| Office and/or Shop Cleaners | Motor Vehicle Cleaners | Hotel, Pubs &/or School Cleaners |
| Oven Cleaners | Patio & Driveway Cleaners | Factory & Warehouse Cleaners |
| Wheelie Bin Cleaners | Swimming Pool Cleaners | |
| Window Cleaners |
NCD Table
| 0 Year (New venture only) = | 10% |
| 1 year = | 0% |
| 2 year = | 0% |
| 3 year = | -5% |
| 4 year = | -10% |
| 5 year = | -15% |
Extensions
| Financial Loss (£30k) | £15 |
| Lock and/or Key Replacement (£30k) | £15 |
| Misuse of Telephones Cover | Free |
| Treatment Cover | Free |
| Damage to Items Worked Upon Cover | Free |
| £1,000 Tools Cover* | Free |
| £1,000 Stock Cover* | Free |
| *Higher Limits Available For An Additional Premium |
How to calculate the premium. 1) Determine which group your trade falls into. 2) Determine your PL price by selecting from the various tables above. 3) Add on EL if required. 4) Add on Extension if required. 5) Apply the No Claims Discount table. 6) Finally, add the IPT (12%) and the £20 Fee (Fee is £30 w.e.f 01/06/23)
Single Event Insurance
Public Liability
Mandatory Cover
| Max Visitors | £1m | £2m | £5m | £10m |
| 100 | £72 | £93 | £118 | £152 |
| 250 | £89 | £118 | £142 | £184 |
| 500 | £110 | £152 | £173 | £237 |
| 1,000 | £152 | £195 | £210 | £290 |
| 2,500 | £236 | £282 | £330 | £370 |
| 5,000 | £330 | £373 | £421 | £462 |
| 10,000 | £466 | £513 | £558 | £644 |
| 15,000 | £605 | £650 | £742 | £909 |
| 20,000 | £742 | £834 | £925 | £1,060 |
| 30,000 | £908 | £996 | £1,085 | £1,261 |
Single Event Insurance is up to 4 days
Employers Liability
Optional Cover
| Limit £10,000,000 | Premium |
| Up to 20 Volunteers/Helpers | £168 |
| Up to 35 Volunteers/Helpers | £252 |
| Up to 50 Volunteers/Helpers | £392 |
Additional Staff at £12 per employee
Equipment Insurance
Optional Cover
| Limit | Total Premium |
| £2,500 | £32 |
| £5,000 | £53 |
| £7,500 | £106 |
| £10,000 | £135 |
| £15,000 | £185 |
| £20,000 | £233 |
Multi Event Insurance
Public Liability
Mandatory Cover
| Max Visitors | £1m | £2m | £5m | £10m |
| 250 | £153 | £202 | £250 | £350 |
| 500 | £250 | £350 | £447 | £544 |
| 1,000 | £350 | £447 | £544 | £642 |
| 2,000 | £405 | £473 | £585 | £669 |
| 5,000 | £473 | £585 | £669 | £753 |
Up to 15 events per year.
| Max Visitors | £1m | £2m | £5m | £10m |
| 250 | £300 | £350 | £396 | £495 |
| 500 | £396 | £495 | £593 | £642 |
| 1,000 | £495 | £593 | £691 | £740 |
| 2,000 | £585 | £675 | £742 | £832 |
| 5,000 | £641 | £731 | £821 | £877 |
Up to 45 events per year.
Employers Liability
Optional Cover
| Limit £10,000,000 | Premium |
| Up to 20 Volunteers/Helpers | £218 |
Additional Staff at £12 per employee
Equipment SI
(based on 15 events) – Optional Cover
| Limit | Premium |
| £2,500 | £100 |
| £5,000 | £160 |
| £7,500 | £225 |
| £10,000 | £300 |
| £15,000 | £425 |
| £20,000 | £550 |
Equipment SI
(based on 45 events) – Optional Cover
| Limit | Premium |
| £2,500 | £111 |
| £5,000 | £177 |
| £7,500 | £248 |
| £10,000 | £331 |
| £15,000 | £468 |
| £20,000 | £606 |
The premium on this guide is an indication only. A full quote will need to be done for full policy terms as underwriting factors may affect premium and terms. All premiums are rounded up to the nearest £ and are inclusive of IPT & Fee.
Standard Cover
| Cover | Policy Sum Insured |
| Employer’s Liability up to | £10,000,000 |
| Public & Products Liability up to | £10,000,000 |
| FREE money & stock cover up to | £1,000 |
| Event cancellation cover up to | £5,000 |
Optional Extras
| Business Equipment (such as hog roast, potato ovens and generators) † |
| Deterioration of Stock † |
| Business Interruption † |
| † Premiums are available online |
Premiums
| Turnover | Premium (£5m PL) | Premium (£10m PL) |
| £10,000 | £128 | £128 |
| £25,000 | £135 | £135 |
| £50,000 | £156 | £156 |
| £75,000 | £198 | £198 |
| £100,000 | £230 | £230 |
| £150,000 | £252 | £252 |
| £200,000 | £295 | £295 |
| £250,000 | £355 | £411 |
| £300,000 | £440 | £496 |
| £400,000 | £550 | £606 |
| £500,000 | £725 | £781 |
| £625,000 | £886 | £942 |
| £750,000 | £1,058 | £1,114 |
| £1,000,000 | £1,390 | £1,446 |
No extra charge applied for £10m PL limit on turnovers up to £250,000.
The premium on this guide is an indication only. A full quote will need to be done for full policy terms as underwriting factors may affect premium and terms. All premiums are rounded up to the nearest £ and are inclusive of IPT & Fee.
Standard Cover
| Cover | Policy Sum Insured |
| Employer’s Liability (No limit on number of employees) | £10,000,000 |
| Public Liability | £2,000,000 |
| Products Liability | £2,000,000 |
£5,000,000 & £10,000,000 Public Liability options available.
Products cover excluded for certain trades.
Maximum T/O £100,000
Premiums Tables
Liability Premium
| Turnover | Excluding EL | Including EL |
| £25,000 | £55.00 | £85.00 |
| £50,000 | £60.00 | £85.00 |
| £75,000 | £90.00 | £126.00 |
| £100,000 | £120.00 | £168.00 |
Stock/Money Premium
| Option | Loss of Money | Loss of Stock |
| Up to £500 | £0.00 | £0.00 |
| Up to £1000 | £25.00 | £20.00 |
| Up to £2500 | £45.00 | £40.00 |
| Up to £5000 | £65.00 | £55.00 |
Business Equipment
| Option | Excluding theft from unatended motor vehicle | Including theft from unatended motor vehicle |
| £1,000 | £20.00 | £35.00 |
| £2,500 | £50.00 | £87.50 |
| £5,000 | £100.00 | £175.00 |
| £10,000 | £200.00 | £350.00 |
How to calculate the premium. Using the rating card, calculate the liability premium and then add the material damage premium (if required). Finally, add the IPT (12%) and the £20 Fee (Fee is £25 w.e.f 01/06/23).
Goods in Transit
| Number of vehicles | £5,000 | £10,000 | £15,000 | £20,000 | £25,000 | £30,000 | £40,000 | £50,000 | £75,000 |
| 1 | £45.00 | £50.00 | £55.00 | £60.00 | £65.00 | £70.00 | £80.00 | £90.00 | £115.00 |
| 2 | £78.75 | £87.50 | £96.25 | £105.00 | £113.75 | £122.50 | £140.00 | £157.50 | £201.25 |
| 3 | £110.25 | £122.50 | £134.75 | £147.00 | £159.25 | £171.50 | £196.00 | £220.50 | £281.75 |
| 4 | £139.50 | £155.00 | £170.50 | £186.00 | £201.50 | £217.00 | £248.00 | £279.00 | £356.50 |
| 5 | £166.50 | £185.00 | £203.50 | £222.00 | £240.50 | £259.00 | £296.00 | £333.00 | £425.50 |
| 6 | £191.25 | £212.50 | £233.75 | £255.00 | £276.25 | £297.50 | £340.00 | £382.50 | £488.75 |
| 7 | £213.75 | £237.50 | £261.25 | £285.00 | £308.75 | £332.50 | £380.00 | £427.50 | £546.25 |
| 8 | £236.25 | £262.50 | £288.75 | £315.00 | £341.25 | £367.50 | £420.00 | £472.50 | £603.75 |
| 9 | £258.75 | £287.50 | £316.25 | £345.00 | £373.75 | £402.50 | £460.00 | £517.50 | £661.25 |
| 10 | £281.25 | £312.50 | £343.75 | £375.00 | £406.25 | £437.50 | £500.00 | £562.50 | £718.75 |
Public Liability
| Number of vehicles | £1,000,000 | £2,000,000 | £5,000,000 |
| 1 | £50.00 | £60.00 | £80.00 |
| 2 | £95.00 | £114.00 | £152.00 |
| 3 | £138.75 | £166.50 | £222.00 |
| 4 | £181.25 | £217.50 | £290.00 |
| 5 | £222.50 | £267.00 | £356.00 |
| 6 | £262.50 | £315.00 | £420.00 |
| 7 | £301.25 | £361.50 | £482.00 |
| 8 | £338.75 | £406.50 | £542.00 |
| 9 | £375.00 | £450.00 | £600.00 |
| 10 | £410.00 | £492.00 | £656.00 |
Employers Liability
| Number of vehicles | £10,000,000 |
| 1 | £65.00 |
| 2 | £126.75 |
| 3 | £186.88 |
| 4 | £245.38 |
| 5 | £302.25 |
| 6 | £357.50 |
| 7 | £411.13 |
| 8 | £463.13 |
| 9 | £515.13 |
| 10 | £567.13 |