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Policy overview
Combined Liability
Our Combined Liability policy can cover over 3000 trades and industries, from cinemas and casinos to heavy engineering and foundries. These businesses might be very different, but they all need protection from the everyday risks they face.
The policy includes
- Accidental financial loss
- Compensation for court attendance
- Corporate manslaughter costs
- Employers’ liability
- Health and safety prosecution costs
- Products liability
- Public liability
What we cover
*But not limited to
- Acupuncturists
- Aerobic centres and instructors
- Amusement arcades
- Animal feed suppliers
- Betting shops
- Bingo halls
- Blacksmiths and farriers
- Breweries
- Building and allied trades
- Caravan sites
- Casinos
- Cement manufacturers, processors and distributors
- Cinemas
- Civil engineers
- Nurseries
- Clothing recyclers
- Community centres
- Consultancies
- Dairies
- Education centres
- Electronic equipment manufacturers
- Engineering
- Food risks
- Foundries
- Furniture removers
- Hairdressers and beauticians
- Health clubs and saunas
- Heavy engineering
- Heating and ventilation contractors
- Holiday homes
- Hotels, restaurants and bars
- Imports and exports
- Insulation contractors
- Karting circuits
- Launderettes
- Lift engineers
- Manufacturing risks
- Marquee supply and erection
- Nightclubs
- Paediatricians
- Pathologists
- Railway contractors (excluding Red Zone Working)
- Roofers and scaffolders
- Rubber product manufacturers
- Skip and waste
- Stage and set erectors
- Windscreen fitters and repairers
- Yoga instructors
What we normally decline
- Chemical manufacturers
- Cosmetic product manufacturers
- Explosive engineers
- Fuel refining and drilling
- Landfill site owners
- Mines
- Railway contractors (Red Zone Working)