Combined Liability Insurance

Cover the bases with a combined liability policy, protecting you from employee and third-party claims.

When it comes to insuring your business, a basic liability policy is the first place most people start. That’s why many organisations choose the simplicity of a combined liability insurance policy that comprises both Employer’s Liability and Public Liability. What’s more, by choosing a combined policy, you’ll only deal with one lot of paperwork and one renewal date, meaning less time and hassle than if you insured your liabilities separately.

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Why Choose Us

Quote Me Today: a name you can trust

Award winning UK based broker

Over the years Quote Me Today has regularly been recognised by a number of industry awards including most recently being named by Insurance Age as one of the Top 100 Brokers of 2024.

Great quality cover at fair prices

Price is a decision-making factor for many. When making recommendations, we always strive to provide great value for money, matching you with a suitable product that meets your needs.

A range of payment options

Sometimes business cashflow can be a bit tight so we offer a range of flexible payment options including splitting the cost over two months or into more manageable monthly direct debits.

Simplified business insurance

Many business owners find managing insurance a hassle. Quote Me Today offers all types of commercial insurance meaning our dedicated account managers can do the hard work for you.

Go on cover straight away

If you need insurance cover urgently, it couldn’t be simpler – we can set up your policy to start immediately. Alternatively, we can set the start date to match an upcoming renewal date.

Honest, transparent advice

Insurance shouldn’t be ‘smoke and mirrors’. Our friendly team of insurance advisors are happy to help with advice on how you can manage and reduce your risks, and in turn, your premiums.

What are the main features of a Combined Liability Insurance Policy?

A combined liability policy is a cost-effective way of protecting your business against the many claims that can be made against you by employees or third-party individuals. Whilst every business hopes they’ll never be in a position where a lawsuit is brought against them, it’s vital to safeguard your company and assets against such an event occurring.

Main Features

Employer’s Liability – covers your business (typically up to £10million) should a member of staff make a claim against you for injury or loss/damage at work. Employer’s liability is legally required in the UK unless you are exempt.
Public Liability – covers your business (typically up to £5million) should a customer, contractor or member of the public make a claim against you for injury or loss/damage as a result of your work.
Can cover any size of business.
If a claim is made against you, the policy will cover legal defence costs and any compensation or settlement made to the claimant.
Can include high risk business activities (such as working with heat/heights) – this should be discussed with your broker, as some policies may exclude such activities as standard.
The policy can be tailored with optional cover for products, tools, equipment, plant, machinery and personal accident.

Combined Liability Insurance