We understand the everyday risks businesses face. That’s why our combined liability insurance brings together essential cover in one straightforward package – helping you stay protected and compliant, without the hassle.
Combined liability insurance
Cover your legal responsibilities with combined liability insurance from Everywhen.
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Employers’, public and product liability in one policy
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Tailored cover for your business risks
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Expert support from Everywhen advisers
Employers’ liability
Covers employee claims for work-related sickness and injuries.
Public liability
Protects against third-party injury or property damage.
Product liability
Covers defects in products you design, make or sell.
Tailored protection
We match cover to your business needs and risks.
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For every business
However many people you employ, we’ll help you meet your legal obligations.
For every customer
We’ll help you protect the people you serve.
For every product
If you design, make or sell products, we’ll help you manage the risks.
For every day
Our advisers will guide you through your cover, whenever you need us.
What does combined liability insurance cover?
Combined liability insurance from Everywhen includes employers’, public and product liability – helping you manage legal risks and protect your business’ reputation.
Employers’ liability insurance
Covers employee claims for work-related sickness and injuries – even after they’ve left.
Public liability insurance
Protection against public injury or property damage due to your business.
Product liability insurance
Covers serious defects in products you design, make or sell – even if you weren’t negligent.
Flexible cover options
We’ll help you choose the right level of protection for your business and budget.
How do combined liability insurance claims work?
When you need to make a claim, we’ll guide you through the process and get things sorted quickly.
Find your policy documents and have your policy number ready
Call our claims team and explain what happened
Provide any requested documents or photos
We’ll handle the rest
What our customers are saying
Combined liability insurance FAQs
Wondering about something? Don't worry, Everywhen is here to help. We've put together some common questions about combined liability insurance cover to support you every step of the way.
Combined liability insurance brings together three essential types of cover: employers’ liability, public liability and product liability. It’s designed to protect your business from legal claims made by employees, customers or members of the public. If you employ people, interact with clients or sell products, this policy helps you stay compliant and protected. It’s a simple way to manage multiple risks under one policy, saving time and reducing complexity.
Employers’ liability insurance is a legal requirement for most businesses that employ people. You must have at least £5 million of cover in place, and failure to do so can result in fines. Public and product liability insurance aren’t legally required, but they are strongly recommended. Without them, your business could face significant financial losses if someone is injured or property is damaged due to your operations or products.
Combined liability insurance is ideal for small to medium-sized businesses that want comprehensive protection without juggling multiple policies. It’s particularly useful for tradespeople, retailers, manufacturers and service providers. If your business involves physical work, customer interaction or product sales, this type of cover helps you manage everyday risks with confidence.
The cost of combined liability insurance depends on several factors, including the size of your business, the number of employees, the nature of your work and your claims history. At Everywhen, we tailor each policy to your specific needs, so you only pay for the cover that’s relevant to you. Our advisers will guide you through the options and help you find the best value for your business.
Absolutely. At Everywhen, we know that no two businesses are the same. That’s why we offer flexible cover options tailored to your specific needs. Whether you’re a sole trader, a growing team or a business with complex risks, we’ll work with you to build a policy that fits. You can adjust your cover limits, add optional extras and choose how you want to manage your policy. Our advisers are here to guide you through the process and make sure your insurance works for your everyday.