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Commercial Combined
Insurance

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Need a commercial combined insurance quote?  Let the independent specialists at your local Coversure compare their markets to find you quality commercial combined insurance protection. Whether you have a shop, factory, office, or haulage business, commercial combined cover through your local Coversure office offers a simple solution to complex risks.

Commercial Combined
Insurance

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What Is Commercial Combined Insurance?

Commercial combined insurance is a package of protection that allows you to cover multiple risks on a single policy. It can be tailored to your needs and often covers risks such as:

The list goes on, and your local Coversure can create a bespoke suite of protections to ensure your business has the cover it needs.

Who Needs Commercial Combined Insurance?

Businesses and other organisations that need protection from multiple risks take out commercial combined cover.  Its flexibility means it can be tailored to almost any organisation’s needs and protect everything from stock and supplies to premises and vehicles.

If you’d like some advice on whether this type of cover is right for you, please contact your local Coversure team.  They’ll be happy to give you the help you need to keep you safe.

What Are The Benefits of Commercial Combined Insurance?

One of the core strengths of a commercial combined insurance policy is the large amount of cover it can provide on a single policy.  There are other benefits too:

  • Save money – when you buy a commercial combined policy, you’re effectively buying cover in bulk, and it can work out cheaper than buying individual policies
  • Save time – if you have an individual policy for each business risk, that will soon amount to a lot of renewal dates, paperwork, and hassle if you need to make a claim. With this type of cover, you only have one renewal date and one policy to worry about, which means you can get back to running your business sooner should you need to make a claim
  • Flexibility – with separate policies, if a significant change occurs to your business due to expansion, more staff, or diversification, you’ll have to contact various insurers to let them know of the change and how it will affect your cover. With commercial combined, one call can let you make the changes you need

What can Commercial Combined Insurance cover?

Commercial combined offers a package of protection that allows you to cover multiple risks on a single policy*.  Often used by construction firms, logistics businesses, distributors, shop owners, hospitality businesses, and wholesalers, commercial combined cover can include:

Business Machinery

Lots of businesses require machinery to get the job done.  If anything happened to yours, could your business function?  Business machinery cover assists you with the cost of repair or replacement of machinery, meaning you can reduce downtime and get back to work sooner.

Fixtures and Fittings

Did you know that your fixtures and fittings aren’t included under most contents policies? So, if you have a shop full of shelves or an office full of desks – both of which would be costly to replace – ensure that you have fixtures and fittings as part of your insurance protection. This could save you from hefty bills in the event of a fire, flood, or other disasters that could ruin these.

Directors’ and officers’ insurance (D&O)

As the business’s leaders, senior figures can be personally liable for a business’s actions and face hefty financial losses should legal action go against them. Directors’ and officers’ insurance – or D&O insurance as it’s also known – protects your senior members from the costs of legal action, allowing them to focus on their jobs

Goods in Transit

If you deliver goods to your customers, then goods in transit insurance is a good policy element to have in place.  This will protect the stock you are travelling with from theft, loss, or damage while you, or your drivers and their deliveries, are on the road

Personal Accident

This will protect you should someone be involved in an accident at work.  It will pay out in the event of death, bodily injury, or disablement.  The compensation provided can pay for temporary staff or cover the overtime cost for other team members

Business Interruption

If something catastrophic happened to your business – such as a fire or flood – and your premises is forced to close for a while, could you cope? With no money coming in and bills needing to paying, would you be able to keep putting food on your table while not doing so for your customers? Business interruption cover provides you with an income while your business is out of action, providing much-needed peace of mind in a time of stress

Commercial buildings cover

Do you own the building in which your business operates?  If so, you’ll need commercial buildings insurance to protect your bricks and mortar. Buildings insurance protects you from the cost of repairing or rebuilding your building if it’s damaged by risks such as floods, fires, vandalism, or explosion.

Stock Cover

If you run a shop, pub or restaurant, distributor, or manufacturing plant, you’ll want stock cover to protect your goods – particularly if your stock is expensive items like technology, art, or alcohol or is frozen meat, fresh veg, or anything in between.  Stock cover assists with the costs of replacing or repairing your inventory if it’s damaged, lost, or stolen. Stock cover protects your supplies in the event of storm damage, flood, fire, or theft—a crucial policy element given how expensive your stock can be

Product liability

Did you know that if the products you use, recommend, or sell cause problems, you can be liable for damages? Products are central to your business, and if something goes wrong, you can be liable for claims and compensation.  Should this happen to you, product liability insurance covers the costs of any compensation you are made to pay, together with the legal fees

Employers’ liability

This is a legal requirement if you employ people. It provides cover in the event of your employee injuring themselves or if their property is damaged while at work. The law says that if you employ at least one person, you must have employers’ liability insurance (sometimes called ‘E.L. insurance’) to protect your employees in case they are injured or become ill as a result of working for you. Your policy must:

  • Cover you for at least £5 million
  • Be with an authorised insurer
  • And employers must provide a safe working environment

Public Liability

Provides cover should a member of the public injure themselves or if their property is damaged while you are working.  It covers the cost of claims made by members of the public for incidents that occur in connection to your business’s activities, for example if they slip on the floor and decide to sue you, you’ll be covered.

What Does Commercial Combined Insurance Cover?

Flexibility is at the heart of commercial combined insurance, which makes it ideal for a wide range of businesses, including:

  • Office-based businesses
  • Logistics companies
  • Charities
  • Gyms
  • Shop owners
  • Builders and construction businesses
  • Manufacturers
  • Wholesalers
  • Distributors
  • Importers and exporters
  • Food and drink companies
  • Packaging companies
  • Processors
  • Warehouse owners
  • Factories

This is just a selection of the organisations that can benefit from a commercial combined policy.  If you’d like to know if it is suitable for you, please get in touch with your local Coversure office, and they’ll be happy to give you the benefit of their independent advice.

What Level of Cover Do You Need?

There’s no one-size-fits-all answer to this question – it will depend on factors such as:

  • The size of your business
  • The type of work it does
  • If you have employees
  • If you have stock
  • If you have vehicles
  • If you have a commercial property to cover
  • Your claims history

The best way to find out how much protection you need is to contact your local Coversure. They’ll be able to advise you as to what you need and create a package of Commercial Combined cover for you.

Commercial Combined Insurance FAQ

Commercial combined can be a complex area of cover, so to help you get the protection you need, here is Coversure’s commercial combined insurance frequently asked questions.  We hope they will be of use, but if you’d like some personalised independent advice, talk to your local Coversure office

If your organisation needs to insure against a range of risks and liabilities, this is an easy way to get a package of protection

No, but if you have employees, you will need employers’ liability insurance

That will depend on factors such as the size of your business, the type of work you are doing, where and for whom, and your claims history

Yes, you can insure your business vehicles on a policy.  You can insure vans, trucks, business cars, and even plant equipment such as diggers and forklifts

Yes.  It can cover these items against loss or theft.  It can also protect expensive items such as machinery or office equipment

Getting a quote is easy; contact your local Coversure office or start your commercial combined insurance quote today

Need a Commercial Combined Insurance quote?

If you’d like a Commercial Combined Insurance quote from Coversure, please contact your local Coversure office or start your quote here. Our independent brokers will search their markets to find you the right policy at the right price to keep your business protected.

* Policy information is correct at the time of writing. Policy details, limits, and exclusions are subject to insurer’ changes. When taking out a policy, your local Coversure office will be able to advise you of the specifics of your cover.

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