Combined Liability Insurance

If your business has two or more directors, then the law states you will need to purchase Employers Liability Insurance. Even if you are a one-person business, you should still consider buying Public and Products Liability Insurance if it’s relevant to what you do.

Yes, but it can be a lot more expensive - so we would always recommend you buy them under one combined policy.

The reason is because it’s been written into UK law (see the Consumer Protection Act 1987), so that if you are importing anything into the UK from outside the EU then you are deemed to be the manufacturer of those goods.

If you need to make a claim on your Employers Liability Insurance, you need to call your insurance broker or insurance company straight away.

If you have Employers Liability Insurance with Prizm Solutions, then you simply call us. As your brokers, we are here to help – and we will provide you with all the contact numbers you need to deal with a claim when you take out the policy.

The list is constantly changing as insurers enter and exit the market, but a present we primarily use Aviva, AXA, RSA, Lloyds Underwriters, Zurich, QBE, Allianz, IIGL, Angel (AXA XL), Beazleys, Travelers, AIG, CFC Underwriting, Markel, Chubb, Arch, Corin, Convex, Eaton Gate, Covea, Ecclesiastical, HCC, Folgate, Geo, Hiscox, NIG and MS Amlin.