Combined Liability for SMEs

Our Combined Liability product provides combined or standalone liability covers, with an option to add Legal Expenses.

Our Employers’ Liability insurance provides cover for damages and legal costs in respect of employees who have suffered bodily injury or disease arising from, and in the course of their employment.

Our Public and Products Liability insurance provides cover for damages and legal costs resulting from claims relating to accidental death, personal injury (excluding employees) and third-party property damage or loss.

Our Legal Expenses cover is provided by ARAG a specialist provider of legal protection insurance.

Employers’ Liability highlights

• Standard limit of indemnity £10 million (restricted to £5 million for terrorism)
• Cover for criminal defence costs related to the Health and Safety at Work etc. Act 1974 or the Health and Safety at Work (Northern Ireland) Order 1978 and the Corporate Manslaughter and Corporate Homicide Act 2007
• Cover for employees temporarily working overseas include
• Indemnity to director and employees included
• Includes court attendance costs of any director or partner (typically £250 limit per day) and any employee (typically £100 limit per day)
• Indemnity to principal included
• Cover for private work carried out by an employee for any director or senior executive of the business
• Brand protection cover included

Public and Products Liability highlights

• Standard acceptance up to £5 million (£2 million in respect of heat work away)
• Worldwide cover (excluding products exported to USA/Canada)
• Cover for criminal defence costs related to the Health and Safety at Work etc. Act 1974 or the Health and Safety at Work (Northern Ireland) Order 1978, the Corporate Manslaughter and Corporate Homicide Act 2007 and the Food Safety Act 1990
• Indemnity for legal costs and expenses related to the Defective Premises Act 1972 and data protection legislation – up to a limit of £1 million
• Indemnity to director and employees included
• Includes court attendance costs of any director or partner (typically £250 limit per day) and any employee (typically £100 limit per day)
• Brand protection cover included

Our policy is designed for businesses with a turnover typically ranging up to £10 million.

Zurich’s Combined Liability solutions are designed for a wide range of businesses – from offices, retailers and light manufacturers to construction and service companies.

We help protect you against key liability risks such as claims from employees, customers and the public, as well as product‑related claims.