Allianz Ireland

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Business Liability Insurance

Combined Liability

Policy Summary

This document outlines the main benefits and restrictions associated with an Allianz Combined Liability Policy. It does not list all of the benefits, terms, conditions, limitations, exceptions and exclusions associated with the Policy, a copy of which is available from the Company or your Insurance Intermediary on request. Some covers are optional and will only apply if you have specifically selected them - the quotation or policy schedule will have details of the sections selected.

Please take time to read the Policy and your Schedule to ensure that you understand the cover provided. You should review and update your cover periodically to ensure it remains adequate.

Employers Liability Section

Cover for legal liability for bodily injury to an employee caused during the period of insurance in connection with your business.

Limits of Indemnity from €13m (any one claim) are available.

Principal Extensions

Cover includes the legal liability:

  • of anyone for whom you are carrying out work under contract.
  • of partners, directors or employees.
  • of members of your canteen, social, sports or welfare organisation or first aid or fire services.
  • for health and safety at work legal defence costs.
  • for temporary contracts overseas.
  • for court attendance costs (€500 per day for partners / directors and €250 per day for others).

Principal Exclusions

Cover excludes:

  • travel to or work on an offshore installation.
  • injury caused by a vehicle for which motor insurance is required by law.

Public Liability Section

Cover for legal liability for accidental injury or accidental damage to property (not owned by you) occurring during the period of insurance in connection with your business.

Limits of Indemnity from €2.6m to €13m (any one claim) are available.

Principal Extensions

Cover includes the legal liability:

  • of anyone for whom you are carrying out work under contract,
  • of partners, directors or employees,
  • of members of your canteen, social, sports or welfare organisation or first aid or fire services.
  • for health and safety at work legal defence costs.
  • of a joint insured - if more than one party is named as insured the policy will cover them separately subject to the limit of indemnity.
  • for temporary contracts within the EU and work of a clerical nature outside the EU.
  • for personal liability arising from temporary trips abroad.
  • for court attendance costs (€500 per day for partners / directors and €250 per day for others).

Principal Exclusions

Cover excludes:

  • loss of or damage to your own property or property in your custody or control.
  • liability arising from any vehicle or trailer where motor insurance is required by law (other than loading or unloading) or for any aircraft or watercraft (other than hand propelled craft up to 8 metres long).
  • design plan or specification or any treatment or advice given for a fee or where a fee would normally be charged.
  •  injury to any employee.
  • fines, penalties, punitive, liquidated or exemplary damages.
  • arising from any product (other than food or drink served on the business premises).
  • liability in respect of pollution or contamination unless due to a sudden, identifiable, unintended and unexpected incident.
  • liability arising from asbestos.

Products Liability Section

Cover for legal liability for accidental injury or accidental damage to property caused by products supplied by you in connection with your business.

Limits of Indemnity from €2.6m to €13m (any one claim and in the aggregate for the period of insurance) are available for most products.

Principal Extensions

Cover includes the legal liability:

  • of anyone for whom you are carrying out work under contract.
  • of partners, directors or employees.
  • of members of your canteen, social, sports or welfare organisation or first aid or fire services.
  • for health and safety at work legal defence costs.
  • of a joint insured - if more than one party is named as insured the policy will cover them separately subject to the limit of indemnity.
  • for court attendance costs (€500 per day for partners / directors and €250 per day for others).

Principal Exclusions

Cover excludes:

  • repairing, replacing, altering, removing or reinstating any product.
  • exports to the USA or Canada.
  • liability which applies only because of a contract or agreement.
  • products used in aircraft, boats or offshore platforms.
  • design plan or specification or any treatment or advice given for a fee or where a fee would normally be charged.
  • injury to any employee.
  • fines, penalties, punitive, liquidated or exemplary damages.
  • liability in respect of pollution or contamination unless due to a sudden, identifiable, unintended and unexpected incident.
  • liability arising from asbestos.

Please Note

These products are only available with Allianz via an authorised insurance intermediary, they are not offered on a direct basis.

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