Combined Liability Insurance consists of a combination of Public Liability, Product Liability and Employers Liability cover. It will ensure your business is protected from injury to members of the public, own employees and third party property.

Here at PMJ Risk Solutions we are able to source combined liability insurance protection at competitive prices, backed by friendly and experienced staff, offering high levels of service, including the vital area of claims, which are handled in house and working alongside your business throughout the claims process.

Some of the main issues a combined liability policy can solve are:

Employers’ Liability Insurance: This is compulsory for employers in the UK, and trade associations and local councils may also require you to carry minimum levels of both Employers & Public Liability Insurance. Combined Liability should be taken by any business dealing with the public or who operates sites or works away at third party premises

Enables companies to meet the cost of compensation or legal fees with regards to legitimate employee or third-party claims. Without this cover, your business could be affected both financially and have your reputation in the area or industry negatively effected.

One policy with a single insurer along for ease of management and one policy wording applying to all sections.

Combined Liability Insurance Policies Can Include:

Public Liability – covering the insured against all legal liability for death or injury to third parties or loss of or damage to third party property. Whilst not compulsory many trade associations and local councils will require this insurance and failure to carry sufficient cover in the event of a claim could force your business to cease to trade.

Product Liability – this protects your business against financial loss when damage or injury is caused by the use of a product sold or manufactured by you.

Employers’ Liability – will cover employers for any compensation they may be liable to pay to any employee injured or who contracts a short or long tail disease in the course of their employment, during their working hours and also whilst working temporarily abroad. Compulsory for any UK employer under the terms of the Employers’ Liability (Compulsory Insurance) Act 1969

As a business, you have a legal responsibility to your clients, employees and members of the public and PMJ Risk Solutions are perfectly placed to assist you in placing your liability needs, regardless of your business.

Please contact the PMJ Risk Solutions office today to discuss your requirements.