Combined Liability

Every business owner in Ireland has a responsibility and duty of care to their employees, customers and general public. Combined Liability Insurance consists of a combination of Public Liability, Product Liability and Employers Liability cover. We at Murray & Spelman can advise you on all aspects of Liability Insurance.

>Typical Combined Liability cover

Public Liability: This provides a business with cover if a third party is injured while engaging with your business. The cover includes injury, death and/or damages following an accident. Many employers and associations require this insurance as a condition of trade.

Product Liability: This protects your business from claims related to the manufacture or sale of products, food, medicines or other goods to the public. It covers the manufacturer’s or seller’s liability for loss or injury to a buyer or user caused by a defect in the product.

Employers’ Liability: This provides protection for your business if a member of staff is injured during their employment. It will cover such costs as medical expenses, loss of earnings and injury awards.

To discuss your business and its Combined Liability Insurance requirements, please contact any member of our commercial team.

Lead Contacts


Michael Maloney


Rick Dawson