Business liability

Combined Liability Insurance

Combined liability insurance brings public liability, product liability and employers' liability into one conversation so the policy reflects how a business trades, supplies, visits sites and employs people.

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Who It Is For

  • Manufacturers, wholesalers, retailers and distributors
  • Contractors, caterers, leisure firms and service businesses
  • Businesses that need liability cover without a full property package

Cover To Review

  • Public liability for third-party injury or property damage
  • Product liability for supplied goods, food or components
  • Employers' liability for employees, labour-only subcontractors and temporary staff

Underwriting Detail

  • Turnover split by activity, product and territory
  • Wage roll, staff numbers and subcontractor use
  • Claims history, contracts, product controls and import/export exposure

Related Insurance Pages

Combined Liability Insurance FAQs

What is combined liability insurance?It is a liability-focused policy or programme that reviews public, product and employers' liability together.

Is combined liability the same as commercial combined?Not always. Commercial combined may also include property, stock, interruption and other covers, while combined liability can be narrower.

Which businesses need product liability included?Manufacturers, importers, wholesalers, food businesses and retailers should usually review product liability as part of the discussion.