Commercial Combined Insurance
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What is commercial combined insurance?
Commercial combined insurance is a package policy designed to include different covers such as property damage, liability insurance, and business interruption insurance under the one policy. The business insurance offers a holistic approach to safeguarding company assets and mitigating liabilities across a wide range of industries.
Tailored, packaged, and cost-effective
By consolidating multiple coverages such as public liability insurance into one package policy, a commercial combined policy 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 time and resources.
Save time and money on your business insurance
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.
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.What does commercial combined insurance cover?
Public Liability
Will protect your company against claims arising from injury or property damage of persons other than your employees (i.e., customers, suppliers, contractors or third persons) in the course of your business. Slips, trips and falls, falling objects, inhalation injuries, burns or scalds, dangerous pathways, glass injuries, door injuries, lift accidents, hazardous objects, whiplash injuries, crashes and collisions, and exposures to hazardous chemicals can give rise to significant compensation awards.
Property Damage
Otherwise known as material damage, will protect your company's buildings, equipment, stock and contents against loss or damage from a range of insured perils. Insured perils will typically include fire, theft, accidental damage, storm, flood, escape of water, impact, explosion and riot. For example, a burst pipe means that thousands of pounds of stock is damaged. Cover can provide the financial means to repurchase the stock and get the business up and running again.
Business Interruption
Provides security should the business be interrupted – filling the void left by property insurance which only protects the bricks, mortar, machinery, stock, and equipment of a business. While business interruption insurance will protect against the loss of income from being unable to trade because of an insured event. Covering the consequential loss of the interruption to trade by indemnifying against for the loss of income as a result of the insured peril.
Employers Liability
Will protect your company against claims arising from injury or illness of your employees. All employers have a duty of care to provide a safe working environment for their employees. If you fail and an employee is injured, or becomes ill, as a result of your negligence, you may be required to pay compensation. Employers' liability insurance will cover legal defence costs and compensation awarded by a court.
Products Liability
Any business involved in the manufacturing, distribution, sale, or supply of physical products should consider products liability insurance. It will protect your company against claims arising from injury or property damage as a result of a fault with a product you have provided. For example, manufacturing or selling an item with a defect which then injures someone or damages property, the cover will provide protection against the resulting compensation claim and legal costs.
Legal Expenses
Cover will assist your company with expert legal advice through a telephone legal advice service. In the event of a claim, the insurance can provide legal representation or unforeseen legal costs in a range of circumstances, typically relating to your property, employment, or contract disputes.
Why commercial combined insurance?
Coverage
One of the biggest advantages of commercial combined insurance is its ability to cover multiple risks under a single policy. This simplifies management and ensures companies aren’t left vulnerable to unexpected risks. Policies can then be tailored to specific needs, from large manufacturing companies to small retail outlets.
Administration
With a single renewal date, one premium to pay, and fewer policies to track, enterprises benefit from a more streamlined management process. One insurer can potentially meet your all your requirements with one business combined policy which includes a variety of different covers and can offer protection against a wide range of workplace risks.
Premium
Bundling multiple covers often results in premium discounts, making a commercial combined policy a more affordable solution compared to purchasing individual policies. Your projected turnover, number of employees and annual wage roll, in addition to the goods you are working with will be insurers most important considerations when calculating your premium cost.
Accommodates a wide range of industries
A wide range of industries will purchase a commercial combined policy including wholesalers, manufacturers, warehouses, factories, importers, exporters, outlets, and retailers.
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Wholesalers - for example any wholesaler that holds and distributes goods in large quantities, will need to consider a range of property, business interruption, and product and public liability covers.
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Warehouses - anyone with warehouse facilities where raw materials or manufactured goods may be stored prior to their distribution will need to consider insuring against the loss or damage to the goods, in addition to liability covers.
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Factories - for example 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.
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Importers or exporters - anyone 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 public and product liability insurance, in addition to marine cargo cover.
Choosing the right commercial combined insurance policy
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.
Industry-Specific Risks
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.
Size and Location
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.
Policy Coverage
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.
Compare commercial combined quotes with Get Indemnity™. Talk with one of our experts about your requirements
Premiums can start at £321 per year for basic liability and property coversWe can arrange cover for a wide range of businesses
Wholesalers
Manufacturers
Warehouses
Factories
Importers
Distributors
What does our expert say?
"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."
What products are commonly purchased with commercial combined insurance?
Additional resources
We work with a wide range of commercial combined insurers to meet our client's needs:
Frequently asked questions
Should we tailor our cover under one commercial combined package policy?
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.
What is Engineering Inspection Insurance?
Engineering inspection cover will offer a periodic inspection of machinery, appliances and equipment stated in the commercial combined insurance schedule. In addition to offering a written report to meet the legal statutory regulations, if required.
What is Deterioration of Stock Insurance?
What is Equipment Breakdown Insurance?
Equipment breakdown cover will in the event of machinery and plant, owned or leased by the policyholder, suffers damage during the course of business.
What is Money Insurance?
Money cover will protect against accidental loss, destruction or damage to money and non-negotiable instruments in a variety of defined situations. The insurance will indemnify the policyholder for such loss.
What is Loss of Licence Insurance?
Loss of licence cover will protect against the licence for the sale of excisable liquors being forfeited, suspended or withdrawn. The insurance can provide cover for loss of gross income, depreciation in the value of the premises and expenses.
What is Terrorism Insurance?
Terrorism cover will protect against loss from damage to property and potentially consequential loss resulting from acts of persons carrying out activities directed towards the overthrowing or influencing, by force or violence, of any government.
Related articles and guides
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.