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Combined Liability Insurance

Public Liability and Employers’ Liability can be bought as stand-alone policies, but as essential insurance cover for every business, they are typically sold together.

Public Liability pays compensation claims and legal fees if an individual, such as a customer, contractor or member of the public is injured or their property damaged. Sums insured are usually up to £10 million.

Employers’ Liability insurance is there to cover your staff for loss or injury whilst at work. As an employer this insurance, with only minor exceptions*, is a legal requirement in the UK. It protects against the costs of defending claims or settling compensation payments.


  • Up to £10 million protection for both EL and PL
  • Criminal defence costs to up £100,000
  • Sole traders/freelance workers up to large corporations
  • Temporary staff only workers
  • High risk trades
  • Immediate cover

Additional Features

  • Product Liability
  • Tools and equipment
  • Plant and machinery
  • Personal accident for employees, directors and principals

*With the exception of the family business, where your staff are close relations.

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Fewer claims means reduced premiums

Good risk and claims management is essential, especially for policy cover where you could face multiple perils. Running a compliant business, together with risk mitigation are extremely important to control claims and the cost of insurance.

As a specialist broker we are experts in Risk Management, which means our highly trained staff can provide genuine advice on a wide range of initiatives designed to help you reduce your claims.

When Accidents Happen

In the unfortunate event that you experience a loss, having the correct cover in place from the outset enables our claims executives to negotiate the best possible settlement for you; our understanding of your business helps us to better support you throughout the claims process. We are always the advocate of our clients.

Our Claims and Risk Management Services Include:

  • Insurance risk assessments
  • Risk surveys
  • Claims reviews
  • Property valuations
  • Business interruption computation
  • Business continuity and disaster recoverplanning
  • Asset registers, stock and plant valuations

Need to claim?

Speak to our claims team

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Why choose us?

Flint Insurance is an independent insurance broker who works with a panel of quality insurers to provide the best possible insurance policies for our clients. There’s no huge call centre – with Flint you deal with the person who is handling your risk. We only take your details to get you fantastic rates from quality insurers.

Whether you’re a sole trader or large corporation Flint seeks to understand your business and make recommendations for cover. Experts in our field, we work with trusted insurers to compare the market for great cover at the best rate.

Request a callback

    Within our office hours, we endeavour to contact you within 15 minutes of your requested time.

    Contact us

    Call us on 0800 021 4501 and one of our team will be more than happy to help.

    Make a claim