Other Occupations - Professional & Public Liability

Benefits of the Balens Combined Liability Policy:

The standard policy includes cover for:

• £2m / £5m* Public Liability

  Public liability insurance protects you from any legal liability for financial loss suffered by your customers or a member of the public as a result of a negligent act by you or any of your employees whilst in the course of the business. 

   * Higher limits of indemnity are available upon request, please contact us for details

• £2m / £5m * Product Liability

  Product Liability Insurance protects you from any legal liability for financial loss suffered by your customers as a result of defective goods sold, supplied, designed, distributed or manufactured by you.  

   * Higher limits of indemnity are available upon request, please contact us for details

Note this policy has been devised for occupations other than Health, Wellbeing, Fitness or Beauty Professionals.  For Professional Liability Insurance for these trades please see our Individuals policies.

All policies are subject to Terms and Conditions.

Other extensions include but are not limited to:

• Employers' Liability up to £10,000,000

  As an employer, you are legally responsible for the health and safety of your employees while they are at work. This cover protects you from any legal liability for loss or injury sustained by an employee whilst at work due to your negligence.

  Extensions including but not limited to: 

  1. Indemnity to Others.
  2. Compensation for Court Attendance.
  3. Cover to extend to worldwide for visits made in connection with your business provided you / the person travelling normally resides in the UK.
  4. Health and Safety at Work and Corporate Manslaughter Defence Costs.
• Business All Risks cover limit of £500 / £1,000 / £3,000 / £5,000

  This covers loss, destruction and or damage by accidental cause to your business equipment, stock plus other specified equipment anywhere in the UK. The standard cover excludes theft whilst left in an unattended vehicle but cover can be extended to include this at a maximum value of £500 at an additional premium.

  Other extensions including but not limited to: 

  • Overseas Personal Liability.
  • Car Park Liability.
  • Compensation for Court Attendance.
  • Contingent Liability for Employee’s vehicles.
  • Sudden and Unintended Pollution.
  • Food Safety Act Defence Costs.
  • Leased and Rented Premises in connection with your business.
  • Health and Safety at Work and Corporate Manslaughter Defence Costs.
  • Cover to extend to worldwide for visits made in connection with your business in a non-manual capacity provided you / the person travelling normally resides in the UK.