BPCG Insurance

BPCG Insurance Cover for Groups


Cover provided for the BPCG is specifically for Groups, to include periodic meetings and exhibitions etc.


Members are covered whilst attending Group/Club activities on a Member to Member basis.


It does not cover members acting on their own behalf.


This is a summary of the policy and does not contain the full terms and conditions of the cover.


Name of the insurer

The insurer of the policy is Hiscox Limited

Type of insurance and cover

The Craftsman scheme contains the core cover of Public and Products Liability with the option to select further covers to protect your business.

Key covers, features and exceptions

This summary provides an overview of the key covers, features and exceptions available within the policy. If you have selected any of these covers they will be itemised in your schedule and full cover details will be set out in your policy document.


Cover, features and benefits, Public and Products Liability:

Protection against your legal liability for bodily injury to third parties and damage to their property, including obstruction, trespass, nuisance, interference, wrongful arrest and eviction.


Cover includes:

  • Liability for loss of or damage to premises hired or rented to you for the purpose of your business

  • Legal costs and expenses in defending prosecutions under relevant health and safety legislation, the Consumer Protection Act 1987 and Food Safety Act 1990

  • Court attendance costs

Exceptions and limitations

  • Cover for acts of terrorism is limited to £2,000,000 for any one event

  • Loss or damage to property in your custody or control or to products supplied

  • Liability arising out of products supplied in the knowledge that they could affect the navigation, propulsion or safety of any aircraft or other aerial devices

  • Pollution or contamination

  • Work in or on or travel to or from or within products supplied to any offshore installation or support vessel

  • Liquidated damages, penalty clauses, fines or punitive damages

  • Exposure to, inhalation of, fears of the consequences of exposure to/inhalation of, costs incurred in repairing, removing, replacing, recalling, rectifying, reinstating, or managing any property arising out of the presence of Asbestos.

A copy of the full insurance document can be read by clicking here .  The Certification can be viewed here .