Choosing the right commercial combined insurance covers can seem like a daunting task, however combined package policies are designed to bundle different liability, property and business interuption covers together depending upon your circumstances. Either give one of our brokers a call on 0345 625 0711 or complete our digital onboarding process to obtain your quote.
Covers injury or property damage of persons other than your employees
Covers buildings, equipment, stock and contents against loss or damage
Covers the loss of income from being unable to trade
Covers claims arising from injury or illness of your employees
Covers claims arising from injury or property damage as a result of a fault with a product
Cover will assist your company with legal advice through a telephone advice service
Tailoring 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, neither do you want to be underinsured against future claims.
With variations of covers and sub-limits, it is worth comparing commercial combined insurance quotes to see whether you purchase the most appropriate protection at the most affordable cost.
Selecting the right policy requires careful evaluation of your specific needs and risks. It is always recommended that you speak with a broker about your commercial insurance needs.
Different industries face unique risks. For example, an importer and exporter will need to consider cargo cover. Whilst a factory may wan to consider engineering inspection protection.
The number of employees, size of operations, and location will significantly impact your policy needs. Larger enterprises may need higher levels of liability and property cover.
Ensure that the limits for each coverage area are adequate to meet your requirements. Plus it's important to review the terms and conditions to understand what is not covered by the policy.
"We want to get to know your enterprise and take a collaborative approach to your risk management. We can help you reduce risk exposures and ensure business continuity with effective risk transfer solutions. Talk to one of our account executives today about obtain a commercial combined insurance quote."
Commercial combined insurance is a flexible policy designed to protect businesses against multiple risks under one comprehensive package. It combines various covers such as property damage, business interruption, employers’ liability, and public liability, and more under a single policy tailored to your specific business needs.
This type of cover is ideal for businesses that face a range of operational risks, particularly those in manufacturing, wholesale, distribution, warehousing, or engineering. It’s also suitable for companies that operate from commercial premises, hold stock, or employ staff.
Slips, trips and falls (STF's) are among the most common causes of workplace injuries. In 2023/24 they accounted for 31% of non-fatal injuries.
60% of the fall from height fatalities and 30% of major injuries occurred within the construction industry. This equates to 35 fatalities and 938 major injuries, due to falling from height in the construction industry in 2019/20.