Combined Liability Insurance - Barnes Commercial Limited
Combined Liability Insurance

Combined Liability Insurance

What is Combined Liability insurance?

Combined Liability Insurance brings together public liability, products liability and employers’ liability in a single convenient policy package. Together this combined solution protects both employees and the public, should something unfortunate happen as a result of actions by you or your business. Likewise, both you and your business will be protected should a claim be made against you, by an employee or third party.

Our Combined Liability package is a convenient and efficient way to make sure you have robust protection in place, providing complete peace of mind. Working with an experienced, dedicated account executive, we will talk through the levels of cover your business needs in order to be fully protected.

We are proud to be an independent insurance broker, and as such our advice is impartial, so you can be reassured that we will only recommend a package that is suitable for your needs. The products we presented are hand-picked from our A rated insurer partners, providing you with confidence of a reliable and trusted solution.

And don’t forget that we may be able to arrange competitive finance to spread the cost on a monthly basis through our partnership with Close Brothers Premium Finance. Please get in touch for details.


Get in touch

If you’re not sure what’s included in a Combined Liability policy, take a look at our Frequently Asked Questions below – we look at what’s included in a typical policy, what the benefits are and how much cover you need.


You can also call us on 01480 272727 and we can answer your questions now!

Arrange your Combined Liability insurance today

Talk to an experienced adviser today by calling us on 01480 272727 or complete our

Enquiry Form

Alternatively, you can email us at

What’s included in a Combined Liability Insurance package?

Public Liability Insurance

This insurance covers any compensation or legal fees payable to third parties in the event of death, bodily injury, or damage to their property, occurring as a result of your business activities. Our public liability cover includes products liability insurance, ensuring that you will be covered for compensation payable to anyone who is injured by a faulty product that your business, designs, manufactures or supplies.

Find out more about Public Liability Insurance, which we can provide as a stand-alone insurance policy too.

Employers’ Liability Insurance

This compulsory insurance covers claims made against you if an employee is killed, injured or contracts an illness or disease whilst working for your business, whether on or off site. Full details of employers’ liability insurance, including why you need it, can be found here.

We can arrange employers’ liability insurance for your business as a stand-alone policy.

Find out more about Employers’ Liability Insurance, which we can provide as a stand-alone insurance policy too.

We provide Combined Liability Insurance cover for dental surgeries, doctors surgeries, accountants, scientific and biotechnology researchers, vet surgeries and care facility providers.

Contact us and speak to an expert adviser today on 01480 272727 or send us an email at

What are the benefits of Combined Liability Insurance?

  • Vital insurance protection in one convenient policy
  • Peace of mind for you, your employees and your clients
  • Protection against financial loss in defending a claim
  • Allows your business to continue to operate during a claim
  • May help to secure future business

How much Combined Liability Insurance cover do I need?

The cover you require will depend on the nature of your business and your needs. We spend time getting to know our clients, so we create a tailored package from our extensive portfolio of A rated insurers. Our comprehensive knowledge of liability insurance allows us to provide an exceptional service and reassurance that our recommendation will be the optimum choice for your business.

How can I buy a Combined Liability Insurance policy?

That’s simple! Just call us on 01480 272727 and speak to one of our expert advisers. They can talk through your requirements and present a tailored package to meet your needs.

Alternatively you can send an email to us as or complete our enquiry form.


Get in touch

To speak to an expert adviser, call 01480 272727 or complete our enquiry form below

Contact us today

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