Commercial 24 January 2024
People working in an office, sitting at their desk and walking around.

Your business goals and operations are at the core of everything you do, right? That’s why it’s important that you have comprehensive commercial insurance policies in place, so you know you have the right protection when you need it the most. But no two businesses are the same and obtaining versatile commercial policy offerings can be complex, this is where a broker can be key to your success.

What is a Commercial Combined Insurance policy?

Commercial Combined Insurance isn’t a one size fits all policy; it includes all types of Business Insurance in one place. We obtain Commercial Combined policies that are bespoke to you and your business, meaning the level of cover is matched to your needs.

One of our tailor-made Commercial Combined Insurance packages can include:

  • Material Damage
  • Business Interruption
  • Liability: Public, Products and Employers’
  • Personal accident cover
  • Goods in transit
  • Legal Cover

Failing to have the right cover can be costly and could leave your business exposed. Tailored Commercial Combined coverage could save you money in the long run, as well as the headache of finding multiple policies and remembering different renewal dates.

We make it our mission to provide long-term insurance solutions that meet your business requirements in one neat package. Our trusted advisors will delve into the core of your business, ensuring we gain an in-depth understanding of your operations to enable us to customise a policy that fits your requirements.

What cover might my business need?

Employers’ Liability Insurance is a legal requirement for any business with employees. Employers’ liability insurance safeguards businesses against legal and compensation expenses from employee claims. It’s a key type of insurance, because if one of your employees falls ill or sustains an injury in the context of the work they do for you, you could be held liable.

Public Liability Insurance protects you against claims from the public, including damage to any commercial property, accidental injury, trespassing and unlawful detention. Product Liability Insurance is often included in the same policy and is necessary for any business which manufactures or distributes products of any kind.

Personal Accident Insurance is designed to pay out if you or an insured person are severely injured or die in an accident. Such an accident could have life changing consequences including an inability to work as a result of injuries sustained, hospitalisation as a result of the accident or permanent disability.

Business Interruption Insurance ensures cover is in place if something catastrophic were to happen, such as a flood or fire. This type of insurance policy can pay out for loss of profit or revenue and any increased costs to run your business efficiently, as the result of catastrophe. It’s important to get Business Interruption Insurance right, as different policies cover different circumstances. That’s where a broker can come in.

Should I work with a broker?

Our business insurance specialists put your needs first. From the moment you reach out to us, you’ll understand the difference in working with a bespoke, independent broker. From risk management to claims process and everything in between, you’ll never need to struggle with dealing with insurers again.

Our personalised advice means you can rest assured that you are never underinsured or overpaying for unnecessary policies. We pride ourselves on being trusted commercial insurance providers. Carrying out extensive evaluations of all our clients’ businesses to ensure the insurance solution we recommend is one that fits your business and people perfectly, as well as covering any legal requirements you may have. That way, you know you’re only paying for the protection you genuinely need.

We’ll support you through the whole process even if your insurance needs change later down the line, our team are always on hand to help. Get in touch with us today on 01509 274000.