Combined Liability Insurance consists of a combination of Public Liability, Product Liability and Employers Liability cover.

This is a comprehensive insurance policy to cover both members of the public and employees of a business.

Larger businesses -in a multitude of sectors – often select a combined liability policy rather than having three separate liability policies, meaning less administration and one renewal date.

Public Liability
Public Liability Insurance covers your legal liability to pay damages to third parties for death, bodily injury or damage to their property which occurs as a result of your business activities.

Public Liability cover should be considered if members of the public, clients or customers visit your premises, or you visit their premises.

Employers’ Liability
A standard Employers’ Liability Insurance policy will cover you for claims made against you if an employee is killed, injured or contracts an illness or disease whilst working for you in connection with your business. This can be the case even if the illness is only diagnosed long after the employee has left your employment, such as they have historically worked with asbestos.

If you have one or more employees, unless they are related to you, you must by law be insured for at £5million, but our expert insurance team can look carefully at the risks and liabilities that your business faces and consider how much cover you might need beyond this.

Whilst this product is a legal requirement if you employ one or more people, it is also important to think about your employees and contractors and ensure you have robust insurance cover in place.

Product Liability
If you’re involved in design, manufacture, repairs or even sale of products then you should strongly consider having Product Liability Insurance to cover any serious defects that might emerge, such as bad design or spoilage, and any associated costs that may emerge from this including medical bills.

With so many products on the market, and the “compensation culture” in modern day society, it is wise to consider product liability insurance.