Balens Ltd have devised a bespoke scheme to provide a package policy for miscellaneous trades requiring Public and Products Liability. The cover is designed to protect you from any legal liabilities to third parties in the event of property damage or bodily injury. 

Cover can also be extended to include Employers Liability, as well as Business All Risks cover if you require protection for loss or damage to business equipment, stock and other specified business equipment.

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

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.

Commercial Department

If you are a member of any Association or Training School who hold a customised insurance scheme with Balens, you will be eligible for discounted rates. If you are not, you will be able to join our Individual Bridge Block scheme for Health and Well-Being Professionals.

Other policies services which may be useful:

Balens have a range of additional policies that you may wish to consider as part of your insurance portfolio.

  • Contents, Equipment & Employers Liability Insurance – Balens have devised a range of contents package options to cover contents stock and equipment which you own and / or are responsible for.  Employers Liability is included as standard, plus you have the option to add additional sections of cover such as Business Interruption, Buildings Insurance, Products Liability and Terrorism. Please also see our Article – Risk Management for Salon Owners.
  • Personal Accident and / or Sickness policies – This cover may be of particular importance for those that are self-employed and have no alternative income. Balens have devised and arranged a policy designed to pay out either a lump sum or a weekly benefit (if selected) in the event of an accident, bodily injury to you and / or illness depending upon the type of policy chosen. Please also see our Article – Personal Accident and Sickness Cover. 
  • Household Insurance – Please contact us to find out more about how we can assist you with protecting your buildings, contents and / or personal possessions. Also see our Article – Home Insurance for more information.

Some of the trades that can be covered:

  • Business Consultants
  • Caterers
  • Cleaners
  • Craft and Market Traders
  • Dog Walkers
  • Garden Designers
  • Teachers
  • Translators
  • Trades People
  • Window Cleaners
  • And many more