Combined Liability Insurance helps protect businesses from financial losses arising from claims made by members of the public or employees. It typically covers legal expenses, settlements and compensation resulting from injury or property damage caused by your business’s actions, products or negligence.

However, it’s important to note that Combined Liability Insurance does not cover intentional acts, deliberate damage or breach of contract.

This type of policy can include a combination of Employers’ Liability, Public Liability, and Products Liability, providing broad protection under one convenient policy.

Combined Liability Insurance provides a streamlined, cost-effective solution for protecting your business against multiple liability risks - including Public, Employers’ and Products Liability - all under a single policy. Here’s a breakdown of the key benefits:

Wide ranging cover in one policy

• Public Liability Insurance: Covers claims from third parties for injury or property damage arising from your business activities.
• Employers’ Liability Insurance: Legally required in the UK for most businesses with employees, covering work-related injuries or illnesses.
• Product Liability Insurance: Protects against claims related to products you manufacture, supply or sell that cause injury or damage.

Cost efficiency

• Combining multiple liability covers into one policy may result in lower overall premiums compared to purchasing separate policies.
• It also reduces administrative overhead, saving time and resources on policy management.

Simplified policy management

• One renewal date, one insurer and one point of contact make it easier to manage your Liability Insurance.
• May reduce the risk of cover gaps or overlaps that could occur with multiple standalone policies.
• Having one central liability insurer relationship may also streamline claims handling, allowing for faster communication and resolution if an incident occurs.

Legal compliance

• Employers’ Liability is a legal requirement for most UK businesses with staff, with fines of up to £2,500 for each day without valid cover. Including it in a combined policy ensures compliance without the need for separate arrangements.

Flexibility of cover

• Cover can be adjusted to reflect your business size, industry and risk profile.
• Indemnity limits can be increased for higher risk operations (e.g. businesses working with heat, at height or in hazardous environments) to ensure adequate protection against larger or more complex claims.
• As your business grows or changes, your policy can be reviewed and updated to reflect new activities, locations or contractual requirements.

Business continuity and peace of mind

• Helps protect your business from unexpected legal costs, compensation claims and reputational damage following an incident involving employees, customers or the public.
• Allows you to focus on growth, knowing your liabilities are covered.
• Wide-ranging liability protection also demonstrates professional responsibility to clients, employees and regulators - strengthening trust and credibility.

Public Liability Insurance is not a legal requirement in the UK. However, it is strongly recommended for any business that interacts with clients, customers or members of the public - either at your premises or theirs.

It is also worth noting that many clients, local authorities and trade associations require proof of Public Liability cover before allowing businesses to work with them or access certain sites.

By contrast, under the Employers’ Liability (Compulsory Insurance) Act 1969, UK businesses must have Employers’ Liability Insurance as soon as they employ one or more people.

Employers’ Liability Insurance legal obligations

• The policy must cover at least £5 million and be issued by an authorised insurer.
• The certificate of insurance must be displayed or made accessible to employees, either physically or digitally.
• Exceptions include:
  • Businesses that only employ close family members (provided they are not incorporated as a limited company).
  • Sole traders or partnerships with no employees.
  • Staff based outside England, Scotland and Wales (where local regulations may differ).
• Failure to comply can result in fines of £2,500 per day.

Combined Liability Insurance is ideal for businesses that face multiple liability risks - especially those with employees, public interaction or product exposure. It combines key protections like Employers’ Liability, Public Liability and Products Liability into one streamlined policy.

Businesses that typically need Combined Liability Insurance:

• Employers: If you have staff, Employers’ Liability is a legal requirement in the UK. Combined Liability ensures this is covered alongside other risks.
• Tradespeople & contractors: Regularly working on client sites or public property increases exposure to Public Liability claims for accidental injury or damage. If you supply or install products, Product Liability may also be necessary.
• Retailers & hospitality: Shops, restaurants, bars and venues interact with the public daily - making Public Liability recommended. Selling food, drinks or goods also introduces Product Liability risks.
• Manufacturers & distributors: If your business makes or supplies products, you need protection against claims of injury or damage caused by defective or unsafe products.
• Service providers: Consultants, fitness instructors and other client-facing professionals benefit from Public Liability cover for client interactions and Employers’ Liability if they have staff.
• Construction firms: Often exposed to all three risks - employee injury, public exposure and product-related liability - making Combined Liability a practical solution.

The amount of Combined Liability Insurance you need depends on your business size, industry risks, client requirements and legal obligations. Most UK businesses should carry at least £5 million Employers’ Liability cover, while Public and Product Liability limits typically range from £1 million to £10 million. Here’s a breakdown to help you assess your needs:

Employers’ Liability Insurance (legally required for most businesses)

• Minimum legal requirement: £5 million cover.
• Most insurers provide £10 million as standard, especially for businesses with multiple employees or higher-risk environments.
• Required for nearly all UK businesses with staff, including temporary and part-time workers.

Public Liability Insurance

• Covers injury or property damage claims from third parties.
• Typical cover levels:
  • £1 million: Suitable for small, low-risk businesses.
  • £2–5 million: Common for tradespeople, retailers and service providers.
  • £10 million or more: May be required for public contracts, events or high-footfall premises.

Product Liability Insurance

• Protects against claims from faulty or harmful products.
• Cover often mirrors Public Liability limits.
• Businesses in manufacturing, distribution or retail should consider £2–10 million, depending on product type and volume.

Factors that influence cover needs

• Industry risk: Construction, hospitality and manufacturing require higher limits.
• Client contracts: Some clients or public sector bodies may specify minimum cover levels.
• Business size and turnover: Larger businesses face greater exposure.
• Claims history: Past incidents may prompt higher cover limits.
• Regulatory or trade body requirements: Some sectors mandate specific limits.

Your insurance advisor can help you assess your individual risk profile and ensure your policy limits meet both legal and commercial requirements.

Tip: Review your contracts and risk profile annually, as your business needs may have changed.

The cost of Combined Liability Insurance depends on a range of factors that insurers consider when assessing your level of risk and potential claim exposure. These include:

Type of business

• High-risk industries such as construction, manufacturing or hospitality typically face higher premiums due to increased exposure to liability claims.
• Low-risk sectors like consulting or design often benefit from lower rates.

Business size and turnover

• Larger businesses with more employees or higher revenue generally pay more, as they present greater liability risks.
• Turnover can also affect the scale of cover required.

Number of employees

• Employers’ Liability Insurance is legally required for most UK businesses with staff. The more employees you have, the greater the potential for workplace-related claims.

Level of public interaction

• Businesses that regularly engage with the public - such as retailers, tradespeople or event organisers - may need higher Public Liability limits, which can increase premiums.

Products offered

• Businesses that manufacture, sell or distribute products require Product Liability cover. Riskier products, such as electrical goods or food items, tend to raise premiums.

Claims history

• A clean claims record can help reduce your premium.
• Frequent or high-value claims may result in higher costs or restricted cover options.

Cover limits and excess

• Higher levels of cover offer greater protection but can increase premiums.
• Opting for a higher excess (the amount you contribute toward a claim) can lower your premium.

Location

• Businesses in areas with higher crime rates or litigation frequency may face increased premiums.

Policy customisation

• Adding optional covers such as legal expenses, cyber protection or business interruption insurance will increase the overall cost.

Insurers consider these factors collectively to assess how likely your business is to make a claim and how costly that claim could be - helping determine a fair and accurate premium for your cover.

Saving money on your Combined Liability Insurance doesn’t always mean compromising on cover. Here are practical ways to reduce your premium while staying protected:

Combine your cover

• Combined Liability Insurance may save you money by packaging Public, Employers’ and Products Liability into one policy.
• You may also be able to include other types of cover (e.g. Professional Indemnity or Commercial Property), in a business insurance package.

Increase your excess

• Your excess is the amount you agree to pay toward the cost of a claim before your insurer contributes.
• Opting for a higher voluntary excess (the amount you pay toward a claim) can lower your premium.
• Just make sure it’s still affordable if you need to make a claim.

Review your cover limits

• Avoid over-insurance - choose cover limits that reflect your actual risk exposure.
• For example, a small consultancy may not need the same Public Liability limit as a large construction firm.
• Likewise, as your business evolves, your cover limits should be adjusted up or down to reflect any new contracts, equipment or operational changes.

Use a broker

• Use a broker to help you to explore quotes from multiple insurers.
• Your broker may have access to broker-specific deals that you may not be able to benefit from as a direct customer.
• A broker can also provide advice on the types and levels of liability insurance you need, ensuring you meet both legal requirements and client expectations.

Improve risk management

• Demonstrating robust health and safety practices, staff training and regulatory compliance can help to reduce your risk profile - and potentially your premium.
• Implementing clear procedures for accident prevention, equipment maintenance and incident reporting can reduce the likelihood of claims.
• Fewer claims = potentially lower future costs.
• Some insurers may even offer discounts or incentives for businesses that invest in accredited safety schemes or ongoing risk assessments.

Pay annually instead of monthly

• Many premium finance providers charge interest for monthly payments.
• If cashflow allows, paying annually can save you money over the long term.

Keep your claims history clean

• Avoid small claims where possible as frequent low-value claims can increase future premiums and excesses.
• Where practical, consider handling minor losses or repairs in-house - for example, covering small property damage or replacement costs internally - rather than claiming on your policy.
• Invest in preventative measures, such as staff training, routine inspections and workplace safety improvements, to reduce the likelihood of accidents or incidents.
• A clean claims history demonstrates sound risk management and builds insurer confidence, which can help you secure better rates and broader cover options at renewal.

We understand that managing cash flow is important, which is why we offer flexible ways to pay for your Combined Liability Insurance policy. If you’d prefer not to pay the full amount in full, you can opt for a 50% deposit, with the remaining balance due 28 days after your policy begins – giving you time to spread the cost.

Alternatively, if monthly budgeting works better for your business, our third-party premium finance provider can offer convenient direct debit payments, allowing you to split the cost into manageable instalments (interest rates apply so this is more expensive than paying in full or in two instalments, please speak with our team for details).

The easiest way to get started is by calling our friendly commercial insurance advisors. They’ll walk you through the details our panel of insurers need to provide a quote and answer any questions you may have along the way.

Call us

Head Office: 01227 285 540
Ashford Branch: 01233 222 562

Prefer to start by email? No problem – just drop us a message at ashford@qmtcommercial.co.uk and we’ll get back to you promptly.

Business Contents Insurance is available as a standalone product or as part of an insurance package, which may also include Liability and Indemnity coverage. It can help to provide compensation for the replacement or repair of fixtures, fittings, equipment and tools in cases of damage, loss, vandalism or theft.

Without Business Contents Insurance, your business may be left to absorb the full cost of replacing essential equipment, stock or tools if they are damaged, lost or stolen. Even a single incident can cause significant financial strain, disrupt trading and slow down your ability to recover - especially if multiple items are affected at once. Here are some of the most common consequences of not having Business Contents Insurance:

• High replacement costs
• Business disruption
• Lost income
• Cash flow pressure
• Operational setbacks

Cover typically includes items such as tools, machinery, computers, office furniture, fixtures, fittings and stock. The exact items covered will depend on your policy.

Typically, yes. Standard Home Insurance policies usually exclude business equipment and stock, making separate business contents cover important for home‑based businesses.

No, business contents insurance isn’t legally required. However, it can be vital in protecting your business from costly replacement expenses and disruption.

Many policies include cover for stock as well as business equipment, although limits and conditions may apply.

Without insurance, you would need to fund the replacement yourself. Business Contents Insurance can help cover the cost of replacing multiple items following events such as fire, flood or theft.

Yes. Business Contents Insurance is often combined with other policies, such as Business Premises or Business Interruption Insurance, to provide more comprehensive protection.

You should insure your contents for their full replacement value. Underinsuring may result in reduced claim payments.

Some policies can include cover for items taken off‑site, such as tools or portable equipment. This depends on the level of cover arranged.

Policies typically cover insured events such as fire, flood, theft, vandalism and accidental damage, subject to policy terms and conditions.

Some policies can include cover for equipment you hire or lease, but this usually needs to be specified. Always check ownership and responsibility clauses.

Contents Insurance covers the items inside your premises, while Buildings Insurance covers the structure itself. Many businesses choose to combine both.

Yes, specialist or high‑value items can often be insured, although they may need to be listed separately and may carry specific conditions or limits.

Replacement as new means the insurer may cover the cost of replacing damaged or lost items with new equivalents, rather than their second‑hand value.

Yes. If your contents are underinsured, insurers may reduce the amount paid out during a claim, even if the loss is partial.

Cover for theft without signs of forced entry depends on the policy wording and security requirements, such as locks and alarms.

Yes. As an independent broker, QMT Commercial compares cover and pricing across a panel of insurers to help you find suitable Business Contents Insurance for your needs. Get in touch today.

Employers’ Liability Insurance helps to protect businesses against financial setbacks relating to work related injuries or illness claims. It typically covers legal defence expenses and/or compensation where the claimant is successful and covers many types of employees including permanent, contract, casual, seasonal, temporary staff, students, those on work placements and some sub-contractors.

Important information: Employer’s Liability Insurance does not automatically cover every type of subcontractor. If a subcontractor’s own insurance fails or lapses, your insurer may still provide cover - but only if you can demonstrate that you took reasonable steps to verify their insurance was valid before work began. Read more in our “Are subcontractors covered by my Employers’ Liability Insurance and what’s the difference between BSFC and LOSC?” FAQ.

Employers’ Liability Insurance protects your business financially and legally if an employee is injured or becomes ill due to their work. It's not just a legal requirement in the UK - it's a vital safeguard for your team and your company. Here’s a breakdown of the key benefits:

Legal compliance

• It’s a legal requirement under the Employers’ Liability (Compulsory Insurance) Act 1969 for most UK businesses with employees.
• You must have cover of at least £5 million, though most insurers provide £10 million as standard.
• Non-compliance can result in fines of £2,500 per day without valid insurance and £1,000 for not displaying the certificate.

Covers compensation & legal costs

• Pays for compensation claims if an employee is injured or becomes ill due to their work.
• Covers legal fees, medical expenses and court costs associated with defending or settling a claim.

Protects all types of employees

• Covers full-time, part-time, temporary, seasonal and even some self-employed workers under your supervision.
• Also applies to former employees who develop work-related conditions after leaving the business.

Supports legal defence

• Many policies include legal representation and daily compensation (limits apply) if you must attend court.
• Some also cover prosecution costs under health and safety laws.

Peace of mind for you and your team

• Demonstrates that you take employee welfare seriously.
• Helps build trust and morale by showing your commitment to a safe working environment.

Business continuity

• Without cover, a single claim could potentially lead to devastating financial losses.
• Employers’ Liability Insurance helps to ensure your business can continue operating even after a serious incident.

Under the Employers’ Liability (Compulsory Insurance) Act 1969, UK businesses must have Employers’ Liability Insurance as soon as they hire employees.

If you don’t have Employers’ Liability Insurance when it’s legally required, your business could face serious financial and legal consequences in the UK, including:

Legal penalties

• £2,500 fine per day: You can be fined for every day you operate without valid Employers’ Liability Insurance.
• £1,000 fine: If you fail to display your insurance certificate where employees can easily see it - physically or digitally.

Uncovered compensation claims

• If an employee is injured or becomes ill due to their work and you don’t have insurance, you’ll be personally liable for compensation, medical costs and legal fees.
• These costs can cause severe financial pressure, especially for small businesses.

Legal action and business disruption

• You may face lawsuits from employees or their families.
• Legal proceedings can damage your reputation and disrupt operations.

No protection for past employees

• Without current cover, you’re exposed to claims from former employees who develop work-related conditions years later.

Some insurers now obtain your ERN from HMRC, however others may still request this information from you when setting up Employers’ Liability Insurance. You can usually find your ERN on HMRC documents like your P30 or P60. It looks like: 123/AB456.

Why your ERN is needed

The ERN helps insurers register your policy with the Employers’ Liability Tracing Office (ELTO). This ensures that former employees can trace your insurance if they make a claim years later.

If you don’t have an ERN yet

Some businesses may be waiting on confirmation of their ERN from HMRC. You should still be able to get a quote for Employers’ Liability Insurance, but may need to supply the ERN once you register as an employer.

Please note that some businesses may be ERN exempt. You won’t have or need an ERN if:

• You’re a sole trader with no employees.
• You’re a company director and the only person working in the company, and:
  • You take income only as dividends (not through PAYE salary).
  • You don’t pay yourself above the NI threshold.
• You only use self-employed contractors who handle their own tax and NI.
• You only pay volunteers or family members with no wages or taxable benefits.
• You employ people outside the UK who don’t pay UK tax or NI.

Employers’ Liability Insurance is legally required for most UK businesses that employ staff. It helps to protect you if an employee is injured or becomes ill due to their work and helps cover compensation and legal costs. Those that need it, include:

• Limited companies with employees: Required even if you only employ one person, including part-time or temporary staff.
• Businesses with apprentices, interns or volunteers: If they work under your supervision or control, they count as employees.
• Limited companies with family members as employees: Even if you only employ close relatives (e.g. spouse, civil partner, parents, children or siblings), you will still need cover unless you're a sole trader.
• Businesses using labour-only subcontractors: If you direct their work and provide tools or materials, they’re considered employees.

Employers’ Liability Insurance can cover subcontractors - but it depends on the type of subcontractor and your working relationship with them. Here’s the difference between Bona Fide Subcontractors (BFSC) and Labour-Only Subcontractors (LOSC).

Bona Fide Subcontractors (BFSC)

They are in business for themselves, not your employee, if most of the following apply:

• They quote for a job and agree a fixed price before starting.
• They decide how and when the work is done, without your direct supervision.
• They supply their own materials, tools and equipment.
• They employ and pay their own staff (if needed).
• They carry their own insurance - usually Public Liability and Employers’ Liability if they employ others.
• They are registered for self-employment, pay their own tax and National Insurance.
• They work for multiple clients, not just you.
• They bear the risk for profit or loss on the job.

If they tick most or all of these, they’re bona fide subcontractors and you generally don’t need Employers’ Liability insurance for them.

Important information: If a subcontractor’s own insurance fails or lapses, your insurer may still provide cover - but only if you can demonstrate that you took reasonable steps to verify their insurance was valid before work began.

Labour-Only Subcontractor (LOSC)

They’re treated like your employees, even if self-employed on paper, if most of the following apply:

• You tell them what to do, where to work and when.
• You supply all materials, tools and equipment.
• You pay them hourly, daily or weekly (not per job).
• They don’t work for anyone else while working for you.
• You cover them under your insurance.
• You take responsibility for their work quality and safety.

If you tick most of these, they’re labour-only sub-contractors and you must have Employers’ Liability Insurance for them.

Some businesses are exempt from requiring Employers’ Liability Insurance by law. These include:

• Sole traders with no employees: If you work alone and don’t hire anyone, you don’t need it.
• Companies employing only close family members: If you're not incorporated as a limited company, you may be exempt.
• Public organisations: Government departments and some public bodies are exempt under specific legislation.

If your new business employs any staff - even part-time, temporary, apprentices or volunteers - you’re legally required to have Employers’ Liability Insurance. The minimum cover required by law is £5 million, but most insurers provide £10 million as standard.

You still need Employers’ Liability Insurance even if your employees work from home - as long as they are considered employees under UK law.

Why it’s still required

• The legal obligation under the Employers’ Liability (Compulsory Insurance) Act 1969 applies regardless of where your employees work.
• If someone works under your direction or control - whether in an office, on a job site, remotely or from home - they’re considered an employee.

Risks still exist at home

• Employees can still suffer work-related injuries or illnesses while working remotely (e.g. repetitive strain injury or accidents during work tasks).
• You may be liable if the injury is linked to their work environment or duties - even at home.

Failing to declare remote work could risk:

• Claims being rejected or
• Cover being invalidated, if a home-based injury or incident occurs.

You should tell your insurer because:

1. It changes your risk profile - the insurer needs to know where work is being carried out and that it’s outside your usual premises.
2. Employer’s Liability (EL) still applies - even if employees work from home, you still have legal responsibilities for their health, safety and work equipment.
3. Public Liability (PL) and Business Contents cover may need to be updated - to protect company-owned equipment used at home (e.g. laptops, monitors, phones).
4. Some home addresses may need to be listed as additional work locations in your policy schedule.

What you should do

• Ensure home-working setups are safe and ergonomically sound.
• Provide guidance and support for remote working health and safety.
• Notify your insurer, including:
  • Approximate number of employees working from home
  • Advise whether the agreement is full-time or hybrid
  • Confirm any equipment provided by your business
  • Confirm that you have a home working risk assessment in place.

In the UK, Employers’ Liability Insurance is legally required for most businesses with employees and the law mandates a minimum cover of £5 million. However, most insurers provide £10 million as standard, which is often recommended for broader protection.

Legal requirement

• The policy must be issued by an authorised insurer.
• You must display your certificate of insurance where employees can see it - physically or digitally. Failure to do so can result in a fine being incurred.

When you might need more than £5 million

• High-risk industries like construction, manufacturing or logistics.
• Large workforces or multiple locations.
• Public sector contracts or clients that require higher limits.

Tip: If you're unsure, speak with your broker who can help you assess your risk profile and recommend appropriate cover. Over-insuring can be costly, but under-insuring could leave you exposed.

The cost of Employers’ Liability Insurance in the UK is influenced by your business’s risk profile, number of employees, industry type, claims history and cover limits. Premiums can range depending on the following factors:

Industry and risk level

• High-risk sectors like construction, manufacturing and logistics tend to pay more.
• Low-risk businesses such as consultancies or design firms typically benefit from lower premiums.

Number of employees

• More employees mean greater exposure to potential claims.
• Premiums scale with workforce size, especially if roles involve physical labour or hazardous environments.

Claims history

• A clean claims record can help to reduce your premium.
• Frequent or high-value claims may lead to higher costs or limited cover options.

Business turnover

• Higher turnover can indicate a larger operation, which may increase liability exposure and insurance costs.

Workplace safety measures

• Strong health and safety protocols, staff training and risk assessments can help to lower your risk profile - and may have a positive impact on your premium.

Cover limits

• The legal minimum is £5 million, but most insurers offer £10 million as standard.
• Higher limits may be required for public contracts or specific client demands, which can increase costs.

Policy excess

• Choosing a higher excess (the amount you pay toward a claim) may reduce your premium - but it must be affordable if a claim arises.

Location

Insurers may apply higher premiums to businesses operating in industries or regions with elevated accident rates or a higher likelihood of claims or legal action.

To help save money on Employers’ Liability Insurance, focus on improving workplace safety, using a broker to compare quotes from multiple insurers and choosing cover that matches your actual risk profile. The below strategies can help you to reduce premiums while keeping your business compliant and protected.

Improve workplace safety

• Implement strong health and safety protocols.
• Provide regular staff training and risk assessments.
• Fewer incidents mean fewer claims, which can help to lower future premiums.

Use a broker

• Brokers can help you to compare quotes from a wide panel of insurers to find suitable cover for your business.
• Brokers may have access to exclusive deals or policy terms that are not available when going directly to insurers.
• Brokers can also advise on appropriate cover levels, help to identify gaps in protection and assist with claims queries and renewals.

Tailor your cover

• Avoid over-insuring. Choose cover limits that reflect your actual business size and risk exposure.

Combine policies

• Combine Employers’ Liability with Public and Product Liability in a Combined Liability Insurance policy.
• Packaged policies may result in lower overall premiums and simpler policy management compared to buying policies individually.

Increase your excess

• Opting for a higher voluntary excess (the amount you pay toward a claim) can reduce your premium.
• Make sure it’s still affordable if a claim arises.
• If you have a history of frequent claims, this option may not be appropriate for you.

Pay annually

• Monthly payments may include interest.
• Paying annually can be more cost-effective over time.

Maintain a clean claims history

• Avoid making small claims if possible.
• A clean record often helps to secure better rates at renewal.

Maintain a Clean Claims History

• Avoid making minor claims where possible, as frequent low-value claims can increase premiums.
• A strong claims record demonstrates good risk management and can often help to secure better rates and terms at renewal.
• Consider covering small losses internally to maintain your no-claims record and build insurer confidence, where appropriate.

Review your policy regularly

• Keep your insurer informed of any changes to your business, such as reduced staffing levels, new operations or improved safety procedures.
• Regular policy reviews help to ensure your cover remains appropriate, identify gaps and can sometimes lead to premium reductions if risks have decreased.
• Reviewing annually (or after significant changes) helps to maintain compliance and accurate protection.

We understand that managing cash flow is important, which is why we offer flexible ways to pay for your Employers’ Liability Insurance policy. If you’d prefer not to pay the full amount in full, you can opt for a 50% deposit, with the remaining balance due 28 days after your policy begins – giving you time to spread the cost.

Alternatively, if monthly budgeting works better for your business, our third-party premium finance provider can offer convenient direct debit payments, allowing you to split the cost into manageable instalments (interest rates apply so this is more expensive than paying in full or in two instalments, please speak with our team for details).

The easiest way to get started is by speaking with our friendly commercial insurance advisors. They’ll guide you through the information our panel of insurers requires to provide an accurate quote and will be happy to answer any questions you may have along the way.

Call us

Head Office: 01227 285 540
Ashford Branch: 01233 222 562

Prefer to start by email? No problem – just drop us a message at ashford@qmtcommercial.co.uk and we’ll get back to you promptly.