Commercial Combined Cover

Commercial Risks Broking Team

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Commercial Combined Insurance

Working from a commercial / retail premises, having the right insurance cover for your business is vitally important. We understand that every commercial business is different so we offer policy options you can tailor to the needs of your business.

A commercial combined insurance policy can cover your business’ premises, contents, equipment, stock, business machines, machinery, plant, fixtures and fittings and computers if it is damaged, lost or stolen. Also includable are Public, Products & Employers’ Liability cover. In addition, you can also add a range of specialist covers to your policy: portable equipment (all risks), business interruption including rent payable / receivable, legal expenses, personal accident, directors & officers liability, goods in transit, fidelity guarantee, money and glass and cyber risks cover (where required).

What can Commercial Combined insurance cover me for?

Buildings, Contents, Fixtures, Fittings, Computers tick Stock, Business Equipment, Machinery, Plant

Public & Employers Liability
Business Interruption / Loss of Revenue
Money incl. Personal Accident / Assault
Fidelity Guarantee / Goods in Transit
Directors’ & Officers’ liability cover
Legal Expenses cover

Products Liability
Loss of Rent Receivable / Payable
Loss of Book Debts
Fire Brigade Charges / Glass & Framing
Engineering & Statutory Inspection
Cyber Risks

You may need Commercial Combined insurance cover if you…

operate a retail, wholesale, manufacturing, industrial, technology, construction or other commercial business
work from a commercial / retail / industrial / manufacturing premises
own your own premises, machinery, plant & equipment, contents, fixtures & fittings, stock etc.
have employees / contractors working for you
carry out manual work away from your business premises
have clients visit you at your business premises
rely on a fully operational premises to generate business income

Why have Commercial Combined insurance?

To protect your business from the following;

damage to, loss or theft of business premises, contents, machinery, plant or equipment or stock
claims from a client or member of the public due to injury or illness suffered by them or damage to their property as a result of your negligence either at your premises or elsewhere
claims from an employee / contractor for injury, illness or death during the course of their work for you either at your business’ premises or that of a supplier, client or customer’s
loss of business revenue due to damage to your premises (or that of a suppliers / customers) and / or it’s contents, stock, computers, machinery, plant or equipment etc.

How Commercial Combined Insurance protects you and your business...

Covers you when you have to pay compensation to a client, employee or member of the public for an illness or injury or damage to their property and your business is at fault
Pays out legal fees spent in defending a claim
Compensates you for loss to your business property, contents, stock, machinery, plant or equipment