Commercial combined insurance

A package policy that combines business insurance covers under one policy

 What is commercial combined insurance?

What is commercial combined insurance?

Commercial combined insurance is a package policy designed to include different covers such as property insurance, liability insurance, and business interruption insurance under the one policy. The business insurance offers a holistic approach to safeguarding business assets and mitigating liabilities, making it an essential consideration for businesses of all sizes and industries.

A commercial combined insurance policy addresses the complex needs of modern businesses by packaging coverage for a wide range of financial risks such as property damage, bodily injury, theft, third-party liability claims, and business interruption. This versatility allows businesses to tailor their coverage to match their specific risks, ensuring comprehensive protection against a wide range of potential threats.

By consolidating multiple coverages such as public liability into one package policy, commercial combined insurance will often be more cost-effective than purchasing separate policies. It can also reduce potential gaps or overlaps in coverage by having one policy with one insurer, simplifying the administrative processes, saving businesses time and resources.


Business combined insurance can provide a range of property and liability covers under one product tailored to meet your specific needs. Commercial combined insurance quotes can start from as little as £321 per year, but increase to tens of thousands of pounds for larger businesses. 

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Each insurer's business combined insurance will be slightly different, however it will typically include a range of liability covers, such as public liability, product liability and employers' liability insurance, in addition to buildings insurance, contents insurance, and business interruption insurance. 

By having a clear understanding of what your insurance cover protects against, business owners can make informed decisions about their coverage needs and create a robust risk management strategy. Compare commercial combined quotes to ensure your business is fully covered by a robost policy from the leading commercial insurance carriers.


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What commercial combined insurance covers?

Choosing the right commercial combined insurance covers can seem like a daunting task, however combined package policies are designed to bundle different covers together so they can be added or removed depending upon your circumstances. We work with a number of specialist commercial insurers to provide flexible cover to meet your needs. Either give one of our brokers a call on 0345 625 0711 or complete our digital onboarding process to obtain your quote.

At get indemnity™ commercial combined package insurance quotes start at £321 annually or £26.75 monthly.

Either give us a call on 0345 625 0711 or complete our digital onboarding process to obtain your quote.

Additional business insurance policies

Commercial combined insurance is typically combined with other policies to ensure no gaps in protection. We recommend that all businesses should consider whether D&O insurance, fleet insurance and cyber insurance. It is prudent and cost-effective to arrange protection against events that could have serious financial consequences.

Compare commercial combined insurance quotes. Talk with one of our experts about your business needs

Small business quotes can start at £321 per year for basic liability and property covers

Frequently asked questions

Why buy a commercial combined insurance policy?

Cost savings can be made by packaging your insurance covers under one commercial combined insurance policy. One insurer can potentially meet your all your insurance requirement with one policy which includes a variety of different covers and can offer protection against a wide range of workplace risks. With variations of cover and sub-limits available it is worth considering alternative quotes to benchmark whether you purchase the most appropriate commercial insurance at the most affordable cost. Tailoring your cover under a commercial combined insurance policy is important because of the number of different options available. You don't want to be paying for covers you don't require, nor being underinsured against future claims. 

Is commercial combined insurance a legal requirement?

The only insurance you are legally obligated to arrange is employers liability insurance, if you have employees working for the business. The additional insurance will financial protection, however they are not compulsory legal requirement for any UK business.

How can I obtain a commercial combined insurance quote?

Arrange a call back to discuss your requirements or complete our digital on-boarding process. We can identify no-obligation commercial combined insurance quotes from the wholesale market. Upload your current policy schedule and this will provide us with a better understanding of the covers and properties you require insurance for. 


Which industries need commercial combined insurance?

Any industrial or commercial business will typically purchase commercial combined insurance because it offers a cost-effective means to purchase a number of covers under one insurance policy.

Wholesalers - any business or individual that sells goods in large quantities, typically at lower prices to retailers will need to consider a range of property and liability covers provided under a commercial insurance product.

Manufacturers - any commercial enterprise that produces finished goods from materials by using various tools, equipment, and processes will need to consider property insurances and liability covers with a specific focus on product liability insurance.

Warehouses - any business or individual where raw materials or manufactured goods may be stored prior to their distribution for sale will need to consider insuring against the loss or damage to the goods, in addition to liability covers.

Factories - any commercial enterprise that owns a building or group of buildings with facilities for the manufacture of goods will need to consider insuring those buildings, in addition to the potential liabilities and damage to the goods being produced.
Importers or exporters - any business or individual that brings goods into the UK from abroad for sale, or that sends goods another country for sale, will need to consider both property and liability insurances, in addition to marine cargo insurance.
Retailers - any commercial enterprise that owns or manages a store or an online website that sells goods to the public will need to consider online retailers insurance which for all intensive purposes is the same as a commercial combined insurance policy

Which commercial combined insurance covers?

Which commercial combined policy covers you decide to arrange will depend upon your business activities, processes, machinery, staff numbers, and whether you own or lease buildings or property. It's best to speak with an insurance broker to understand how a commercial combined policy can help mitigate financial risks to your business. 

Public liability - cover for injury or property damage of persons other than your employees.
Employers liability - cover for injury or illness of your employees (a UK statutory requirement).
Product liability - covers injury or damage as a result of a fault with a product pprovided. 
Property damage - covers you buildings and contents against damage from a range of perils.
Business interruption - covers loss of income from being unable to trade from an insured event.
Stock in transit - covers damage to property in transit - either owned or control of a third-party.
Personal accident - provides financial support for bodily injury (i.e. death or disablement)
Equipment breakdown - covers machinery, owned or leased from breakdown. 
Legal expenses - provides legal advice through a telephone advice service.
Money insurance - covers accidental loss, destruction or damage to money.
Deterioration of stock - covers damage to stock in any cold chamber, by deterioration.
Loss of licence - covers the loss of licence for the sale of excisable liquors being withdrawn.
Terrorism insurance - covers losses arising from acts of terrorism.


Please note the the above is a simple explanation of the covers available - cover will be subject to the terms and conditions of the policy wording.

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