What’s in Bectu’s public liability insurance plan?

Last updated: 12 Nov 2025

Bectu Extra membership’s two-in-one plan provides public liability cover of up to £10 million as well as personal accident cover of £100 a week.

The policy:

  • Includes provision for claims up to £25,000 in respect of goods in the member’s custody and control (up to a maximum total of £100,000).
  • Bectu Extra members also receive a work-related Personal Accident Insurance. Members aged between 16 and 80 who are legally resident in the UK, the Channel islands or the Isle of Man will receive the following benefits in the event of a work-related accident that results in Temporary Disablement, Permanent Disablement or Loss of Life: Temporary Disablement​: £100 per week payable for up to 52 weeks excluding the first two weeks. Permanent Disablement: ​£20,000. Loss of Life:​ £20,000.

It costs £40 for Bectu members, and covers the individual member, a Ltd company where the member is the sole employee, and a formal partnership where the partner is also a Bectu member who subscribes to the insurance from the 1st January 2026 until 31st December 2026.

Please see the Summary of Cover 2026Policy Wording and Full details of the Policy.

If you would like to purchase Bectu Extra membership for 2025 please use this page.