Overview

This bill mandates that specified organizations and individuals in Great Britain obtain public liability insurance to cover injuries or property damage caused by their designated activities. The Secretary of State will define the covered organizations, activities, and insurance requirements through regulations.

Description

Insurance Requirements

Designated organizations undertaking designated activities in Great Britain must maintain insurance against liability for bodily injury, disease, or property damage arising from these activities (generally within Great Britain). The Secretary of State can set maximum insurance amounts through regulations. "Approved policies" and "authorized insurers" will be defined by regulations. Organizations without a place of business in Great Britain are generally exempt.

Designated Organizations and Activities

The Secretary of State will define "designated organizations" and "designated activities" via regulations. The definitions will encompass trades, professions, and activities undertaken by various bodies, with the possibility of exemptions.

Certificates of Insurance

Regulations will establish requirements for issuing and keeping certificates of insurance. Organizations must make these certificates accessible to employees and the public, and provide them on demand to authorized inspectors.

Penalties

Regulations will set penalties, including fines, for non-compliance with the Act and its regulations.

Government Spending

The bill itself doesn't directly specify government spending. However, implementing and enforcing the regulations will likely incur costs for government agencies related to administration, oversight, and potential legal actions. The exact financial impact is not yet determined.

Groups Affected

• Businesses: Many businesses will be required to obtain and maintain public liability insurance, potentially increasing their operating costs.
• Individuals: Certain individuals carrying out designated activities may also be required to obtain insurance.
• Insurers: Insurers will see increased demand for public liability insurance.
• Government Agencies: Agencies will be responsible for drafting, implementing, and enforcing the regulations, leading to administrative costs.
• The Public: The public will benefit from increased protection against injury or property damage caused by negligence.

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