Combined Liability Insurance
Combined Liability insurance offers comprehensive protection by combining Public Liability, Product Liability and Employers’ Liability cover in one policy.
COMBINED LIABILITY INSURANCE
Combined Liability insurance offers comprehensive protection by combining Public Liability, Product Liability and Employers’ Liability cover in one policy. It is designed to safeguard your business against claims from both the public and your employees. Whether you are dealing with workplace incidents, product-related issues or third-party claims, having the right level of cover is essential. Every business, regardless of size or industry should ensure it is properly protected against these key risks.
This type of insurance is ideal for a wide range of industries and professions including but not limited to:-
- Tradespeople (plumbers, electricians, builders)
- Hospitality businesses (cafes, restaurants, caterers)
- Service providers (cleaning companies, consultants)
At IPS, we will work on your behalf to arrange the most suitable liability cover that fits your business needs. We work with leading insurers to provide flexible and reliable cover, customised to suit your industry, business size and risk profile.
Key Features of Combined Liability insurance include (subject to quotation/terms & conditions):-
Employers’ Liability Insurance
This is a legal requirement for any business that employs staff (including part-time, temporary or volunteers). This policy covers your business if an employee suffers injury or illness as a result of their work. Whether it is a physical accident on-site, a long-term health issue caused by the work environment or inadequate training or supervision, Employers’ Liability insurance helps cover legal defence costs, compensation payouts and medical expenses.
Public Liability Insurance
This protects your business against claims made by third parties (such as customers, clients or members of the public) who suffer injury or property damage as a result of your business activities. It ensures your business is financially protected and can continue operating with minimal disruption in the event of a claim.
Product Liability Insurance (optional)
This cover protects your business if a product you manufacture, sell, repair or supply causes injury or property damage. Whether you are involved in production, distribution or retail, Product Liability insurance can safeguard you against potentially costly legal claims, even if the issue was due to a manufacturing fault beyond your control.