Combined Liability Insurance

Protect your business against claims of negligence with a combined liability policy.

From customers and employees to the general public, there are many different groups of people who could file a claim of negligence against your business. Combined liability insurance combines it in one simple policy.

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What is combined liability insurance?

There are different types of liability insurance, each addressing a different area of business risk. Combined liability insurance is simply a type of cover that includes all the different types of liability cover in one policy.

Liability cover is an integral tool for managing risk by protecting your business if a claim is made against it for negligence. But it’s important to note that liability cover is important regardless of the outcome; even if your company is found not to be culpable, the simple process of defending the claim can be incredibly costly.

A graphic of fictional figures protected by a red umbrella.

Do I need combined liability insurance?

It’s a legal requirement for UK business to have employers’ liability insurance. Additional liability cover is equally important as there’s simply no way to completely eliminate risk.

Managing risk is a standard part of having a business, no matter what industry you’re in. You can take preventative measures to minimise that risk, but you will still encounter it to some degree.

From a business perspective, risk is expensive. You only need to read the news to see the costly repercussions of businesses that have been charged with negligence, whether from a product being sold, a customer complaint or a worker being injured.

Combined liability insurance protects your business from the costs, damages and awards associated with a negligence claim. As well as the defence costs associated with unsuccessful claims, and in doing so protects your business’ longevity.

What does combined liability insurance cover?

Combined liability cover typically includes all the key liability policies, including:

Employers’ liability: Designed to help you pay claims awarded to employees in the event your business is found negligent.
Public liability: Protects your business from financial losses or damage in the event that a customer or a member of the public makes a claim against your business.
Product liability: If one of your products cause illness or injury resulting in a claim, product liability will support you to defend the claim, and cover the costs of any damages awarded.

Are we the right commercial insurance broker for you?

Our combined liability insurance is designed for owner-managed businesses with up to £5 million in annual turnover. Whether you work alone or lead a small team, we can help you build tailored cover that reflects how your business operates.

We work with businesses across the UK, so no matter where you’re based, we can support you with expert advice and flexible insurance options.

Get a free combined liability insurance health check

Research suggests that 80% of UK SMEs are underinsured, meaning cover limits are too low to fully protect your business. If you’re unsure if your existing cover is giving you the right protection, we can help.

As part of our free combined liability insurance health check, our experienced Commercial Manager will personally review your existing policy to ensure you have the right cover for your needs.

We’ll assess if you have any gaps in cover, are overpaying for extra cover you don’t need, are legally compliant, and if we can find you a better deal – all free of charge.

Speak to us about your combined liability insurance today

Our tailored combined liability insurance policies ensure you get the right protection at the best price. Fill in your details below and Mat, our experienced Commercial Manager, will be in touch with you shortly.

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