Combined Liability employee section
OUR ASSESSMENT
This is a broker-arranged combined route; the schedule is essential evidence of employee cover, not just the product title.
Features to compare
- Zurich’s Combined Liability wording sets out the insured liability sections alongside the schedule, endorsements and certificate.
- The contract applies only to sections shown as insured on the schedule.
Limitations and checks
- Do not infer the employers’ liability limit from another section or from an excess-liability product. Confirm the issued certificate.
The question to ask
Which employee section and indemnity limit are shown as insured?
Before arranging cover
Use the current policy wording and your quotation schedule to confirm these points. Our assessment is desk research, not a first-hand claims test or a personal recommendation. We have not assigned a product score or established comparable claims-service performance.
Sources & further reading
Checked 2026-09-27. Policy terms and source ratings can change.
Provider information checked 2026-09-27. The linked provider information supports the product summary; the assessment and questions are Coverwell editorial analysis. Availability and accepted terms depend on the quotation.
