Combined Liability


A Combined Liability policy arranged by MCM Insurance Services can cover all the essential liabilities you need to keep your business well protected and legally obliging, in one straightforward package.

Employers’ Liability

A standard Employers’ Liability Insurance policy will cover you for claims made against you if an employee is killed, injured or contracts an illness or disease whilst working for you in connection with your business. This can be the case even if the illness is only diagnosed long after the employee has left your employment, such as they have historically worked with asbestos.

If you have one or more employees, unless they are related to you, you must by law be insured for at £5million, but our experts at MCM Insurance Services can look carefully at the risks and liabilities that your business faces and consider how much cover you might need beyond this.

Public Liability

Public Liability Insurance covers your legal liability to pay damages to third parties for death, bodily injury or damage to their property which occurs as a result of your business activities.

Public Liability cover should be considered if members of the public, clients or customers visit your premises, or you visit their premises. If you run a home business, and customers sometimes visit you there, Public Liability cover might also be a good idea.

Product Liability

If you’re involved in design, manufacture, repairs or even sale of products then you should consider having Product Liability Insurance to cover any serious defects that might emerge, such as bad design or spoilage, and any associated costs that may emerge from this including medical bills.

Even where your business is not negligent, it may still be held liable for damages and injuries suffered as a result of using its products.

As a fairly specialist area cover, Product Liability can be expensive, but the return that you could see on a policy sourced by the team at MCM Insurance Services could make the output well worthwhile, especially if damages were to run into the millions.

At MCM Insurance Services we compare the insurance policies of many main commercial insurance companies to find you the right cover at the right price.

For a range of quotes or more information on Combined Liability Insurance from MCM Insurance Services get in touch here or call us on 0161 786 3150.

With Employers' Liability, Product Liability and Public Liability, a Combined Liability policy arranged by MCM Insurance Services can cover all the essential liabilities you need.