Commercial Combined Insurance

Protect your business with comprehensive cover under one simple policy.

Running your business means facing risks every day. From employee accidents to property damage, commercial combined insurance protects you from many risks, without the hassle of managing separate policies.

With tailored cover, you save time, reduce admin and get peace of mind knowing you’re prepared for whatever comes your way.

Multiple risks, combined into one comprehensive policy.

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What is commercial combined insurance?

Commercial combined insurance is a flexible insurance package that combines several key business covers into one policy. Instead of juggling multiple policies and payments, you get everything under one straightforward policy tailored to your unique business needs.

Whether you run a warehouse, manufacturing plant, retail shop or leisure facility, commercial combined insurance protects your assets, operations and employees. Policies are customised to your exact requirements, from the number of employees to your business’ location and industry.

Do I need commercial combined insurance?

Commercial combined insurance suits businesses from many sectors facing similar risks, including:

Manufacturing and workshops
Engineering
Warehouses and logistics
Retail and wholesale
Offices and service providers

While commercial combined insurance itself isn’t legally required, many of its covers are including employers’ liability insurance if you have employees.

Without proper cover, unexpected incidents like property damage, liability claims or machinery breakdown can cost your business significantly. Choose commercial combined insurance to avoid financial strain and to confidently manage your business’ risks.

What does commercial combined insurance cover?

Commercial combined insurance includes a range of covers tailored to your business needs:

Employers’ Liability: Legally required if you employ staff, covering workplace injuries or illness.
Public Liability: Protects against claims if a third party is injured or their property damaged due to your business operations.
Products Liability: Covers legal and compensation costs related to products supplied by your business causing injury or damage.
Property Damage: Protection against damage to business assets, machinery and fittings. Optional extensions include buildings and stock.
Business Interruption: Financial protection if you temporarily close due to events like fire or flooding.
Money and Assault: Covering loss of money from theft or robbery, and protection for employees handling cash.
Goods in Transit: Protects your goods from damage or loss while being transported.
Cyber Insurance: Covers financial losses and recovery costs from cyber-attacks or data breaches.
Legal Expenses: Covers legal costs arising from disputes such as debt recovery or employment issues.
Personal Accident: Financial support following serious injury or death of an employee caused by workplace incidents.

Are we the right commercial insurance broker for you?

Our commercial combined insurance is designed for owner-managed businesses with up to £5 million in annual turnover. Whether you work alone or lead a small team, we can help you build tailored cover that reflects how your business operates.

We work with businesses across the UK, so no matter where you’re based, we can support you with expert advice and flexible insurance options.

Get a free commercial combined insurance health check

Research suggests that 80% of UK SMEs are underinsured, meaning cover limits are too lower to fully protect your business. If you’re unsure if your commercial combined insurance is giving you the right protection, we can help.

As part of our free commercial combined insurance health check, our experienced Commercial Manager will personally review your existing policy to ensure you have the right cover for your needs.

We’ll assess if you have any gaps in cover, overpaying for extra cover you don’t need, meeting legal compliance and if we can find you a better deal – all free of charge.

Simply get in touch for your free commercial combined insurance health check today.

Speak to us about your commercial combined insurance today

Our tailored business insurance policies ensure you get the right protection at the best price. Fill in your details below and Mat, our experienced Commercial Manager, will be in touch with you shortly.

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