Liability insurance is any insurance policy that protects an individual or business from the risk that they may be sued and held legally liable for something such as malpractice, injury or negligence.After your coverage has been in force for the applicable waiting period as stated in your policy or certificate of insurance, Combined Insurance will pay a Health and Wellness Benefit for any one of the health screening tests or procedures shown below. This benefit will only be paid once in a certificate or policy year for each person covered.Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them.Contact Us. Our customer service representatives are available during usual business hours and ready to help. Or contact us online and a member of our customer support team will follow up with you. Toll-free: +1 888 234-4466. Fax: +1 905 305-8600. Monday through Friday. 8:00 a.m. - 7:00 p.m. EST. +1 888 815-3688. Contact Us.Combined Insurance Company of America 5277 Paysphere Circle Chicago, IL 60674. When is the payment due? Payments are due within 10 days of the Due Date noted on the bill. Your account will be past due if we do not receive your payment by this date. Please remember, your employees are counting on you to provide information and payment on a ...Pay your Combined Insurance premiums online with ease and convenience. You can choose from automatic withdrawal, credit card, or check options. You can also view your ... Combined Insurance Company of America is a Chubb company and a leading provider of supplemental accident, health, disability, and life insurance products in the U.S.* and Canada. Headquartered in Chicago with a tradition of 100 years of success, we are committed to making the world of supplemental insurance easy to understand. 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