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Combined Liability Insurance

Running a business can be risky but we’re here to help

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Combined Liability Insurance

Help protect your business from employee and third-party claims

Insuring your business usually starts with a basic liability policy, but many organisations prefer the streamlined approach of a Combined Liability Insurance policy. This option includes both Employers’ Liability and Public Liability, simplifying your paperwork and aligning your renewal dates. This means less time spent on administration and more focus on what truly matters – running your business efficiently.

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Why Choose Us

QMT Commercial: a name you can trust

QMT Commercial are an established commercial broker, with a proven track record in the insurance industry. By placing your insurance policy through us, you’ll benefit from our many years of experience, a strong network of insurers and transparent, independent advice from our friendly team of advisors.

Customers are our top priority

QMT Commercial prides itself on its commitment to delivering excellent customer service. Our UK-based insurance advisors and support team are here to ensure your insurance needs are handled with precision and care, ready to assist you with any questions throughout the year.

Everything in one place

Tired of the hassle of managing multiple policies with different brokers and insurers? We can help. We can arrange most types of business insurance including liability and fleet, meaning if you switch to us, you’ll only need to deal with your dedicated account manager.

UK Regulated by the FCA

As a commercial insurance broker, QMT Commercial are regulated by the Financial Conduct Authority (FCA), meaning that there is a strict code of practice we must abide by to ensure consumers are treated fairly at every stage of the financial services we help to arrange.

Independent and impartial advice

At QMT Commercial, as an independent insurance broker, we are free from ties to any single provider. This independence empowers us to deliver impartial advice and access a diverse array of insurers, ensuring we can help secure the most suitable policies for your business requirements.

Don’t just take our word for it

When choosing a new insurance broker, you’ll want to hear about the experiences of other customers before you make your decision. Why not head over to our Trustpilot page to see for yourself why so many clients choose us for their business insurance, year after year.

Flexible payment options available

For those who prefer not to pay their insurance policy in full upfront, we can offer flexible payment options. You can choose to divide the total into two monthly instalments or use our third-party finance provider to spread the cost over the year with convenient monthly direct debits.

QMT Commercial is a UK based, Proudly Independent Insurance Broker.

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

A Combined Liability policy can help shield your business from the impact of claims by employees or third parties. While no business anticipates facing a lawsuit, it's crucial to protect your company and assets should one arise.

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.
  • If a claim is made against you, the policy can cover your company’s legal defence costs and the compensation/settlement made to the claimant if successful.
  • Can cover most sizes and types of business.
  • 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.
  • Additional cover options include products, tools, equipment, plant, machinery and personal accident.

Get a FREE Quote

Fill out the form below to get the quotation process underway, one of our specialist broking team will then do the rest for you by conducting a comprehensive market review in order to obtain the best prices and cover for you.

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