Combined Liability Insurance
Flexible combined liability insurance for brokers placing construction, manufacturing and trade risks
Dolmen Underwriting provides access to a Combined Liability insurance solution designed for brokers placing risks across construction, manufacturing, and general trade sectors.
This product offers protection against Public Liability and Employers’ Liability exposures, supporting businesses operating in higher-risk or non-standard environments. With a flexible underwriting approach, we aim to assist brokers in placing a wide range of risks that may not fit standard markets.
Who this product is designed for
The Combined Liability scheme is suitable for brokers placing cover for businesses operating in construction, industrial, and trade-based sectors.
Typical placements include:
- Builders and general construction firms
- Roofing and cladding contractors
- Scaffolding and access specialists
- Rope access contractors
- Allied trades and subcontractors
- Manufacturing and production businesses
- Recycling, waste management and skip hire companies
- Scrap metal and vehicle dismantling operations
- Haulage and transport businesses
- Cleaning contractors
The product is designed to accommodate both standard and non-standard liability risks, with a practical underwriting approach.
What the policy covers
The Combined Liability policy provides essential protection against third-party and employee-related claims.
Key cover includes:
- Public Liability for third-party injury or property damage
- Employers’ Liability for employee injury or illness
- Legal defence costs and associated expenses
- Liability arising from business activities and operations
Cover can be tailored depending on the nature of the business, risk profile, and exposure level.
Why this cover is important
Businesses operating in construction, manufacturing, and trade sectors face significant liability exposures on a daily basis.
Claims can arise from:
- Injury to members of the public
- Damage to third-party property
- Workplace accidents involving employees
- Incidents arising from site work or operations
Having appropriate liability cover in place is essential to protect against potentially high-value claims and legal costs.
Underwriting approach
Dolmen Underwriting takes a flexible and practical approach to liability risks.
- Premiums from €250
- Wide appetite across construction and industrial sectors
- Willingness to consider non-standard risks
- Support for brokers in placing difficult or complex cases
In general, we aim to review each risk individually and provide guidance on placement options where possible.
Important underwriting considerations
When placing Combined Liability risks, brokers should consider:
- Nature of business activities
- Health & safety procedures and risk controls
- Claims history and prior incidents
- Number of employees and payroll
- Use of subcontractors
- Work locations and hazard exposure
Full disclosure of all material facts is essential when submitting a risk.
Why brokers place business with Dolmen
Dolmen Underwriting provides brokers with access to a flexible liability solution for a wide range of trades and industries.
Key benefits include:
- Broad appetite across construction and manufacturing sectors
- Ability to consider non-standard and higher-risk trades
- Competitive entry-level premiums
- Practical underwriting support
- Access to insurer markets and binding authority
- Broker-focused service and turnaround
This makes the scheme particularly useful for brokers placing hard-to-place liability risks.
Specialist Underwriting Support
Work directly with experienced underwriters who understand construction and professional liability exposures.
Flexible Product Solutions
Access specialist insurance products designed to help brokers place non-standard and evolving risks.
Trusted Industry Experience
Benefit from decades of underwriting knowledge and strong relationships across insurers and broker partners.
Affordable Home Insurance That Doesn’t Cut Corners
Choosing the cheapest policy isn’t always the best option. At Dolmen, we look beyond the premium to find you quality home insurance that actually works when you need it. Whether you’re insuring a family home, an apartment, or a property you rent out – we’re here to find the right protection for your lifestyle and budget.
We search the market, explain your options clearly, and help you save where it makes sense – all while ensuring you’re fully covered.
Why Choose Dolmen for Your Home Insurance?
- Decades of experience in the Irish insurance market
- Independent advice and access to top Irish and UK insurers
- Personalised service with real people – not just a website
- Excellent customer support throughout your policy
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Flexible, affordable cover for mobile homes and holiday lodges across Northern Ireland.
Place Smarter Faster with Dolmen
Underwriting Solutions Brokers Can Trust
If you would like to arrange cover under the Combined Liability scheme, contact the Dolmen Underwriting team or submit details of the risk for review.
Our team can assist with underwriting guidance, eligibility checks, and placement options.