Commercial Combined

Commercial combined Insurance:

Protecting your business, its assets and its future.

Commercial Combined insurance is designed for businesses that need flexible protection for their property, assets, income and liabilities.

It can be suitable for a wide range of businesses, from established SMEs and family businesses to larger and more complex commercial operations

Manufacturers • Wholesalers and distributors • Retailers • Offices • Warehouses Engineering businesses • Service businesses • Manufacturers • Wholesalers and distributors • Retailers • Offices • Warehouses Engineering businesses • Service businesses • Manufacturers • Wholesalers and distributors • Retailers • Offices • Warehouses Engineering businesses • Service businesses • Manufacturers • Wholesalers and distributors • Retailers • Offices • Warehouses Engineering businesses • Service businesses •

Designed for:

Typical cover:

Depending on the business and insurer, cover can include:

Buildings, contents & business assets
Stock, goods in transit & money
Business interruption & machinery breakdown
Employers', public & products liability
Legal expenses cover
Engineering
Machinery & plant

Buildings, contents & business assets • Stock, goods in transit & money • Business interruption & machinery breakdown • Employers', public & products liability • Legal expenses cover • Engineering • Buildings, contents & business assets • Stock, goods in transit & money • Business interruption & machinery breakdown • Employers', public & products liability • Legal expenses cover • Engineering • Machinery & plant • Buildings, contents & business assets • Stock, goods in transit & money • Business interruption & machinery breakdown • Employers', public & products liability • Legal expenses cover • Engineering • Buildings, contents & business assets • Stock, goods in transit & money • Business interruption & machinery breakdown • Employers', public & products liability • Legal expenses cover • Engineering • Machinery & plant •

Tailored Protection

More specialist
options we can explore

Depending on the insurer, cover can include protection for buildings, business premises, contents, stock, machinery, plant and equipment, and other essential business assets. Policies may also provide cover for business interruption and machinery breakdown, helping to minimise disruption and reduce the risk of financial loss following an insured event. Liability protection can extend to employers’, public and products liability, while additional options may include cover for goods in transit, money, and legal expenses.

Claim in practice:

A fire disrupts a manufacturing business.

A manufacturing business suffers a serious fire which damages its premises, machinery and stock.

The business is unable to operate normally while repairs take place and incurs additional costs to maintain part of its operation elsewhere.

Subject to the policy terms, the property sections respond to the physical damage while Business Interruption provides protection for covered loss of income and additional costs of working.

Our approach

We don't simply look at the headline premium.

We consider how your business operates, how income is generated, what assets are critical and where a significant interruption could have the greatest financial impact.

We then use our access to a broad range of insurers and specialist markets to identify suitable cover at competitive premiums.