What does commercial combined insurance typically cover?

Commercial combined insurance bundles several covers into a single policy, typically including buildings and contents, public liability, employers liability, business interruption, and money. The specific covers included depend on the policy and the insurer. A specialist broker can help you identify the covers that are most relevant to your business and ensure that your policy provides adequate protection.

Is commercial combined insurance suitable for all types of business?

Commercial combined insurance is available for a wide range of business types, but the covers included and the terms available vary between insurers. Some insurers specialise in specific sectors, such as retail, manufacturing, or professional services. A specialist broker can access a wider panel of insurers and help you find a policy that matches the specific characteristics of your business.

Can I add covers to a commercial combined policy during the year?

Yes — most commercial combined policies allow you to add or remove covers during the policy year, subject to a premium adjustment. If your business changes during the year — for example, you take on new staff or acquire new equipment — you should notify your insurer or broker promptly to ensure that your cover remains adequate.

What is the difference between commercial combined insurance and business insurance?

The terms are often used interchangeably. Both refer to insurance policies that provide multiple covers for a business under a single arrangement. Commercial combined insurance typically refers to policies that include property, liability, and business interruption covers. A specialist broker can advise on the most appropriate policy structure for your business.

How is the premium for commercial combined insurance calculated?

The premium is calculated based on the insurer's assessment of the risk, taking into account factors such as the nature of the business, the value of the insured property, the number of employees, the claims history, and the level of cover required. A specialist broker can access a wider panel of insurers and help you find competitive terms.

Commercial Combined Insurance UK: Complete Business Protection

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