Combined Liability Insurance

Combined Liability Insurance policies offer cover for both public liability insurance and employers liability insurance under one policy.

Very few insurance companies will offer cover for employers liability insurance alone. Insurers see employers liability insurance as more of a risk than public liability insurance and to dilute some of the risk most UK insurers will only offer cover as part of a combined policy, covering the two.

Having a combined liability insurance policy means that you have all your covers in one place, with one insurance company making it much easier to know who to contact in the event of a claim being made.

Some policies will provide cover for another type of liability insurance, product liability insurance, which is required by companies who manufacture, retail or wholesale products that could cause injury to a member of the public or damage their property. For example should your kettle explode and injure you and set your kitchen alight you would make a products liability claim against the manufacturer. This cover is not normally offered under a combined liability insurance policy for tradesmen.

Compare quotes for combined liability insurance.