OverviewA Commercial Combined policy allows you to focus on the covers that you think are more relevant to your own business.
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Commercial Combined Insurance covers range of property and Liability insurance, including the compulsory Employers Liability (usually only available if you have Public Liability cover) can be included in a tailor made policy for you.
Sometimes you require insurance that is more tailored to your own business requirements, than that provided by one of the many excellent insurance package policies that are available.
Why pay for cover that is not relevant to you, when you can tailor something to your own specific requirements. Sometimes though, depending upon your own trade, a package policy could be the most cost effective solution. Please see below a list of commonly available package policies.
Who needs Commercial Combined Insurance?
Anybody who runs a business where a readymade package solution will not be sufficient to provide cover for your individual circumstances. This is usually SMEs (Small and Medium Enterprises) who aren’t able to neatly fit into a package solution (Shop, Office, Hotel etc.)
If you are manufacturing or wholesaling a product a Commercial Combined policy will likely be required to cater for your insurance requirements.
What does it cover?
It can be tailor built to provide those elements that are require for your business, within a single policy. Common sections of cover include Material Damage (including theft cover), Business Interruption, Money, Employers Liability, Public Liability and Products Liability.
What else might you need?
- Directors and Officers
- Professional Indemnity
- Engineering Inspection
Other things to consider
Due to the nature of Commercial Combined being built especially for a business’ specific needs, it may be advisable to call us to discuss your requirements rather than using our online quote generator if your needs are especially complex.
All Commercial Combined cover is subject to the underwriting criteria, terms and conditions of the insurers. Please contact our team for further details and to discuss your requirements.