Public Liability vs Combined Insurance

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Understand the difference between public liability and combined workshop insurance - and which cover your business really needs

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We compare quotes from leading insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

WHAT’S THE DIFFERENCE?

Many workshop owners start with public liability insurance - but as a business grows, this often isn’t enough. Combined workshop insurance brings multiple essential covers together in one policy, providing broader protection and often better value.

Public Liability Insurance – What It Covers

  • Injury to third parties (customers, visitors, members of the public)
  • Damage to third-party property
  • Legal defence costs for covered claims
  • On-site and off-site workshop activities

Public liability is essential - but it does not protect your tools, machinery, premises, employees or completed work.

Combined Workshop Insurance – What’s Included

  • Public liability insurance
  • Employers’ liability (if you have staff)
  • Buildings and contents insurance
  • Tools, machinery & equipment cover
  • Fire, flood & property damage
  • Product defect & workmanship liability
  • Business interruption cover

Combined insurance offers broader protection and helps avoid gaps between separate policies.

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Which Option Is Right for Your Workshop?

  • Public liability only – suitable for very small or low-risk workshops
  • Combined insurance – recommended for most active workshops
  • Required by many landlords, councils and commercial clients
  • Often more cost-effective than buying covers separately

Why Choose Insure24

  • Tailored combined policies for workshops
  • Clear explanation of cover differences
  • Policies accepted by landlords and contracts
  • Fast quotes and UK-based specialist advice

FREQUENTLY ASKED QUESTIONS

+-Is public liability insurance enough for a workshop?

Usually not. Public liability does not cover your tools, premises, staff or completed work. Most workshops benefit from combined insurance.

+-Is combined insurance more expensive?

Often no. Combined policies are frequently more cost-effective than buying covers separately.

+-Do landlords require combined insurance?

Many landlords require buildings, contents and liability cover, which is typically arranged through a combined policy.

+-Can I start with public liability and upgrade later?

Yes. Cover can usually be expanded or upgraded as your workshop grows.

+-How quickly can combined insurance be arranged?

In many cases, cover can be arranged the same day once details are confirmed.

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