Commercial Combined Insurance

Insurance for warehouses, wholesalers, manufacturers, workshops, factories, importers and hundreds of commercial properties and businesses. Also known as commercial combined insurance.

  • Business insurance that’s suitable for small and large enterprises of many different types
  • We source policies from insurers such as Axa, Royal Sun Alliance and Aviva
  • Together we can help you explore all options and find the most suitable solution for your business

Let us know your details online and we’ll call you back to discuss your business.

Get a quote

For a requirement review and quote for your business, give us a call

0330 1235 740
0330 1235 740

We’re here for you Mon - Thu 8:30am - 6.00pm, Fri - 8:30am - 5.30pm
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Our commercial combined insurance policies are aimed at businesses who trade in whole or in part from an industrial unit. If you think you could benefit from our bespoke business insurance read the benefits below:

Supporting you in finding the right policy

Our advisors can work with you to perform an adequacy test for business helping us both understand the risks you face for things like business interruption, stock, contents etc. In some cases we can even visit your business premises to give the most confidence you’re not underinsuring or over insuring yourself.

Cost effective cover

By looking at your business turnover based on your specific market and location we can provide truly specialised cover and work with you to keep the cost to a minimum. Understanding the risks of your industry can provide insight into where you may need the right protection and how you can save in other areas.

Tailored cover

We can source a policy that not only includes the basics like buildings, contents and stock insurance, but also many optional extras including work away cover, goods in transit insurance and marine cargo protection for land air and sea. Meaning together we can create a tailored policy with the cover to suit your business’s individual requirements.

Policy endorsements and discounts

Managing and reducing your risk as a business can help lower your premium. An endorsement is an agreement you make with the insurer to agree a maximum level of agreement by undertaking safety measures. Discounts are available for levels of building security, length of time trading, claims free businesses, combining business insurance with buildings insurance and more. Our advisors can help you find ways to mitigate risk and negotiate discounts on your behalf.

These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents

Commercial Combined Insurance Claims

If and when it comes to the crunch and you need to make a claim, we have an in-house team who work hard to understand all the details of your claim then get these to the insurer to get your claim resolved as quickly as possible.

If there are any complications with your claim, we’ll follow this up with the insurer and keep you updated with the progress of your claim.

Need to make a claim?

Give us a call and we’ll help settle your claim

0330 1235 740

Commercial Combined Insurance Articles & Guides

Get tips and advice from our industry experts to ensure you get the best out of your commercial combined business insurance.

Business Invoicing

article

Business Invoicing

Client invoicing practiced in a clear and organised way will not only help you receive your cash sooner but will portray professionalism and provide evidence in the event of a non-payment or business insurance claim. We take a look at the top tips for best practice customer billing.

what is public liability thumb

video

What Is Public Liability?

As part of our liability insurance video series this video looks at what public liability insurance is. Watch to learn how it protects the public and keeps your business safe. Check out the video to find out more...

Cash Flow

video

Golden Rules For Running A Business

Video: Golden Rules For Running A Business - Business expert Ruth Badger gives advice to small businesses on operations and management.

Commercial Combined Insurance FAQs

My business has previous claims, how can you help me?

Business insurance is not as simple as home insurance or car insurance. When a commercial insurance policy is put together, your business will be assed for potential risk on a case by case basis. Having a previous claims on your business insurance means that a potential risk caused an incident of some kind, and what brokers and insurers want to know is what was done to minimise that risk to avoid it happening again. In some cases, if we can show the lesson was learnt and the risk is subsequently now lower, this can help you avoid any rises in premium.

Do I need to include contractors in our insurance?

Possibly not if they have their own insurance. However we do offer contingent liability for bona fide sub-contractors. All contractors should have at least the same level of public liability cover as you. Speak to one of our advisors to discuss your circumstances.

If I employ staff within my business is it required by law to have employers liability as part of my package?

In most cases UK businesses with any amount of staff, whether they are full time, part time, volunteers, interns or freelance staff will need employers’ liability insurance as a legal requirement. One of our advisors will be able to add this to your quote or to your policy at any time you take on a member of staff.

Do I need to tell my employees that I have employers' liability insurance?

When you take out or renew a policy including employers' liability insurance with us we will provide you with a certificate of employers' liability insurance that will state the companies covered by the policy. This must be displayed where your employees can read it. You may display your certificate electronically but if you choose to do so you must ensure that your employees know how and where to find it and have reasonable access.

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