COMBINED LIABILITY INSURANCE

Cover for Public and Employer Liability Risks

Running a fleet-based business involves more than protecting your vehicles. Combined Liability Insurance provides essential cover for your legal responsibilities, helping protect your business against claims from employees, customers and members of the public. With flexible cover tailored to your operation, you can focus on running your business with confidence, knowing you’re protected against a wide range of potential risks.

Whether you operate a courier fleet, taxi company or logistics business, Combined Liability Insurance helps protect your business from the financial impact of compensation claims, legal costs and other liabilities. At Delivery Insured, we work with trusted insurers to arrange cover that complements your fleet insurance, giving you complete peace of mind that your business is protected both on and off the road.

What’s Typically Covered

Employers’ Liability

Injury or illness suffered by employees as a result of their work

Cover for full-time, part-time and temporary employees

Compensation awards and settlements

Legal defence costs

Public Liability

Injury to third parties

Damage to third-party property

Legal defence costs

Incidents arising from day-to-day business activities

Cover is subject to policy terms, conditions, exclusions and limits.

Who It’s Suitable For

Courier and delivery companies

Haulage and logistics operators

Taxi and private hire fleet operators

Businesses employing drivers, warehouse staff or office employees

Typical Claim Examples

Employers’ Liability Example

An employed courier injures their shoulder while lifting heavy parcels during a delivery round and makes a claim against their employer. Employers’ Liability insurance can cover the compensation claim and associated legal costs

Public Liability Example

While unloading goods at a customer’s premises, a driver accidentally damages a loading bay door. Public Liability insurance can cover the cost of repairs and any related legal expenses, helping protect your business financially.

Why this cover matters

Employers’ Liability insurance is a legal requirement for most UK businesses that employ staff. Public Liability insurance, while not compulsory, is often required by customers, landlords or contracts. Combined Liability Insurance helps ensure your business is protected against both employee and third-party claims under one policy, simplifying administration and providing peace of mind.

Important information:
Combined Liability Insurance is subject to policy terms, conditions, exclusions and limits. Legal requirements and minimum limits may apply, particularly in respect of Employers’ Liability.

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Whether you operate a courier fleet or taxi business, our specialist insurance solutions are designed to keep you protected. Click below for your free quote.

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