Commercial Combined Insurance

We can offer commercial combined insurance tailored to suit your business needs, in a single policy with one renewal date. Our flexible policies can suit a variety of businesses including but not limited to manufacturers, distributors and wholesalers, and you can combine a number of covers including property damage and business interruption in your unique policy package.

0344 892 1664

Mon-Thu 8:30am-5.30pm, Fri 8:30am-5pm

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About Commercial Combined Insurance

Certificate

Market-leading commercial combined cover

Our market position enables us to source some of the best products available.

Care

Commercial insurance even if you have previous claims

With improved risk management we can negotiate better terms for your business cover.

Claim

Professional claims service

Expert advice to help you with claims you face

Direct Debit

Pay by Direct Debit

You can split your payment into instalments

Features of Commercial Combined Insurance

Standard cover

Bespoke commercial combined cover for a wide range of businesses

The flexibility of our commercial combined insurance allows us to create a bespoke cover for a variety of business types, including but not limited to manufacturers, wholesalers, warehouses, installation, service and repair companies, importers, exporters, distributors, retailers, contractors, printers, metalworkers and precision engineers.

Commercial fire and theft insurance

A comprehensive commercial combined package will protect your business and its premises through property damage insurance. It can be made up of covers including commercial fire and theft cover for buildings, business equipment, machinery and stock, business interruption, and goods in transit. Commercial fire and theft insurance includes protection against a range of perils such as fire, electrical fire, arson, damage to property caused by theft or attempted theft, and actual theft of business property.

Tailored commercial combined insurance

Our commercial combined insurance can be tailored to suit your business needs. Tell us your requirements and we will combine commercial covers to create one, straightforward policy. Factors to be considered include business size, location, number of employees, turnover, industry sector, market reach, activities, processes and machinery used.

Risk management and discounts

Managing and reducing your business risks can help lower your premium. Your insurer will provide you with endorsements applicable to your policy, which in turn may outline certain safety measures. Following them will not only help reduce the likelihood of accidents but also support a potential claim. Our advisers can help you find ways to mitigate risk and negotiate discounts on your behalf.

Commercial Combined Insurance FAQs

Question

What is commercial combined insurance?

Answer

Commercial combined insurance is a package policy which can be tailored to specific needs of many business types. Even companies operating in the same sector are likely to have different business models, processes, computers, machinery, staff numbers etc., meaning their commercial combined policies will need to reflect their individual requirements. As such commercial combined insurance is the go-to policy for warehouses, wholesalers, manufacturers, workshops, factories, importers, exporters and distributors, and more.

Question

What does commercial combined insurance cover?

Answer

The policy covers a variety of risks, but its main pillars are liability and property insurance. Every commercial combined package is built with you as the specific client in mind to match your business requirements.

It can include covers for public and product liability; employers’ liability; work away; machinery and plant; tenants improvements; fixtures and fittings; tools; equipment; computers; electronic items; stock of raw materials; work in progress and finished stock; book debts; money; glass; goods in transit; plus many more. These covers include protection against various perils like fire, theft, storm, flood, accidental damage, malicious damage and more.

Our advisers will be happy to provide you with more details, so feel free to get in touch.

Question

How does commercial combined insurance work?

Answer

Commercial combined insurance is almost like a ‘pick’n’mix’ for your business – you explain your needs to us, we find the most relevant covers and put them together for you in one easy-to-use policy. The following factors, amongst others, will play a role in the contents of the package we will offer to you: your business size, location, number of employees, turnover, industry sector, market reach (domestic / foreign), activities, processes and machinery used. Getting to grips with your business intricacies will allow us to better understand risks it is facing on daily basis and suggest a bespoke solution to protect you, the business owner, from them.

Question

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

Answer

Business insurance is not as simple as home insurance or car insurance. When a commercial insurance policy is put together, your business will be assessed for potential risk on an individual basis.

If you have had a claim in the past it is good practice to review the cause of loss and take action where possible to reduce the potential for it occurring again. This could be a combination of revised procedures, processes and/or improved security. Demonstrating that you have learned from the incident and implemented risk mitigation factors lowers the chance of claims reoccurring.

Improving how your risk management is perceived can increase the number of insurers we can approach for quotations and enables us to negotiate better terms for your insurance cover and premiums.

Question

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

Answer

Any business employing any staff (whether they are full time, part time, labour-only sub-contractors or volunteers) needs employers’ liability insurance as a legal requirement. One of our advisers will be able to add this to your quote, so feel free to ask us.

Question

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

Answer

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.

Question

Can you cover theft-attractive or high-valued stock and contents?

Answer

Yes. A variable level of cover is available against theft of your commercial property stock and contents, as well as optional covers against theft of money on the premises. Insurers security requirements will take into account your location, a type and amount of theft attractive property, i.e. stock, computers, business equipment as well as possessions.

Question

How can I correctly value my contents and stock?

Answer

For general contents - you must insure for the full replacement value at today's prices.

For stock, the values must represent the replacement cost to you as the policyholder. Costs can vary depending on your position in the supply chain (manufacturer, wholesaler, retailer or the end consumer).

Question

How can I correctly value my buildings?

Answer

Your buildings sum insured must represent the full rebuilding cost to you of your property at today's prices inclusive of materials and labour (rather than the market value). You should also make due allowance for your VAT status if you are unable to recover VAT.

Be aware of additional design, planning, legal and professional, and site clearance and debris removal costs.

For expert independent professional advice you can contact the Royal Institute of Chartered Surveyors (RICS).

Question

Where can I find more information about monthly Direct Debit?

Answer

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Call the claims team

on 0344 892 1384 and explain exactly what happened

3.

Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim