Commercial Combined Insurance


Looking for cheaper commercial combined insurance? Let us compare our markets to find the combined commercial insurance that’s right for you. As one of the UK’s leading business insurance specialists, we can help your organisation from a range of risks on a single policy.
For independent advice and a great value combined commercial insurance quote, call us today on 01482 434343 or request a callback and let our team compare the market to help you get cheaper commercial combined insurance.
Commercial Combined Insurance Backed By ‘Exceptional’ Service
Looking for cheaper commercial combined insurance? Let us compare our markets to find the combined commercial insurance that’s right for you. As one of the UK’s leading business insurance specialists, we can help your organisation from a range of risks on a single policy.
For independent advice and a great value combined commercial insurance quote, call us today on 01482 434343 or request a callback and let our team compare the market to help you get cheaper commercial combined insurance.

Call us today on 0800 977 6037 and let our award-winning team help you.
Call us today on 0800 977 6037 and let our award-winning team help you.
Why choose Coversure for your Commercial Combined Insurance?
Our award-winning team is rated as ‘Exceptional’ by feefo, and with over 50 years of commercial insurance experience, you can rest assured you’re in safe hands. As an independent broker, we’re not tied to any one insurer, and we’ll compare the market to find you great cover for a price. To find out more, call us free on 01482 434343, request a callback, or start your commercial combined insurance quote today.


Commercial Combined Insurance backed by ‘Exceptional’ service
Our award-wining team is rated as ‘Exceptional’ by feefo, and with over 50 years of commercial insurance experience, you can rest assured you’re in safe hands. Being independent, we can put your needs first, and we’ll compare the market to find you great cover for a great value premium.

What is Commercial Combined Insurance?
Commercial combined insurance, combined commercial insurance or combined commercial insurance as it’s also known, is a packaged cover that can cover multiple risks on one policy. It’s been designed to give organisations with complex needs a simple way of insuring against the risks they face. Despite being called commercial combined, it’s not just for businesses or commercial enterprises, but is suitable for any organisation that has multiple risks covering. So, it can insure charities, not-for-profits, community enterprises, and local authority service providers for example.
Who needs Commercial Combined Insurance?
Owing to its in-built flexibility, combined business insurance can protect a wide range of businesses and organisations, including:
Builders and construction businesses
Shops
Tradesmen
Manufacturers
Distributors
Hotels, bars, and restaurants
Accountants, lawyers, solicitors and other professional service providers
Motor traders
Wholesalers
Salons and barbers
Logistics and haulage firms
Food and materials processing businesses

What can Commercial Combined Insurance cover?
Combined commercial insurance is a flexible policy that can cover a wide range of risks, including:
Public liability
Employers’ liability
Personal accident cover
Stock and supplies
Commercial property
Vehicle fleets
Business interruption
Directors’ and officers’ liability
Tools and machinery
Call us today on 0800 977 6037 and let our award-winning team help you.
What can Commercial Combined Insurance cover?
Combined business insurance is one of the most flexible policies you can get, and we can tailor-make cover to suit your organisation’s needs. Common covers include:
Public liability insurance
So if a person is injured or their property is damaged by your business, and they decide to sue, you’ll be covered.
stock insurance
Insures your stock and materials against theft, loss, or damage. You can even take out deterioration of stock insurance.
directors’ and officers’ Insurance
Directors’ and officers’ insurance (D&O insurance) protects business leaders from legal action arising from a business’s activities.
employers’ liability insurance
This is a legal requirement if you have any employees, be they full-time, part-time, or contracted. It protects employers from compensation claims should an employee be injured/become ill of have their property damaged through their work.
Business interruption insurance
Business interruption insurance provides you with an income if your business is forced to temporarily close following a disaster such as a fire or a flood.
personal accident
if you are accidentally inured at work, this will provide you with compensation.
commercial property insurance
if you own the premises you trade from, you’ll need to have commercial property insurance in place. Commercial property insurance can cover both your building and its contents.
fleet insurance
If your business has business vehicles – cars, trucks, vans, or construction plant, then you can save time and money by adding fleet insurance to your policy.
How much does Commercial Combined Insurance cost?
At Coversure we don’t believe in one-size-fits-all solutions for our clients. Instead, we’ll get to know your business’s needs and create a package of cover that fits your requirements. What we can say is that your combined commercial insurance quote will depend on things like:
The size of your business/organisation
The type of work it does
The size of the contracts you work on
Who you do work for
Your claims history
Your business’s postcode
Whether you have any employees – in which case you will also need employers’ liability insurance
If you want to include commercial property insurance
If you want to include fleet insurance as part of the policy
If you make/or sell products – in which case, you may wish to have product liability insurance
If your organisation works with the public or has offices, a shop, or a restaurant that’s open to them in which case you’ll need public liability insurance
How to get cheaper Commercial Combined Insurance
This is a question we get asked a lot and the good news is there are several easy ways to potentially get cheaper commercial combined insurance, including:
Use an independent commercial insurance broker – not only can they do the shopping around for you, but they’ll also have both the insurer contacts and the specialist knowledge required to find you the cover you need
Increase your excess
Invest in things like security for your premises, health and safety training for your staff and keep stock/materials levels down
Shops

How much does Commercial Combined Insurance cost?
At Coversure, we don’t believe in one-size-fits-all solutions for our clients. Instead, we’ll get to know your business’s needs and create a package of cover that fits your requirements. What we can say is that your combined commercial insurance quote will depend on things such as…
What your business does
If you have any employees
Your business’s turnover
If you need fleet insurance
If you need commercial property insurance
The value of your stock/supplies
Your level of no claims bonus
Whether you want to pay monthly or annually – annually will usually prove cheaper
If you need products liability insurance
Your claims history
Your business’s postcode
Committed to finding you the protection you need
If you’d like some independent advice or an insurance quote, please call us on 01482 434343.
Committed to finding you the protection you need
If you’d like some independent advice or an insurance quote, please call us on 01482 434343.
Insurance specialists for business, property and motor
Local service – online, by phone, or in person
Help and advice to ensure you’re protected
Frequently Asked Questions
We get asked a lot of questions about liability insurance so to make getting the cover you need easier, here are our public liability insurance frequently asked questions and answers. We’ve covered the most important issues here, but if you’d like some independent advice, then please call us on 01482 434343 or request a callback. Our team of business insurance specialists will be happy to talk you through the options to ensure you get the combined business insurance protection that’s right for you.
Any organisation or business with complex insurance needs, be it a restaurant, a building firm, or a community centre, can benefit from having combined business insurance in place
The three main benefits of commercial combined are firstly that it makes insuring multiple risks easy, as you can add everything from commercial property insurance to fleet insurance on one policy. Secondly, it saves on administration time, especially if you need to make a claim, and thirdly, it often works out cheaper than having lots of separate policies
No, but given the level of protection it affords you, it’s well worth taking out if your organisation has dealings with the public, stock, commercial vehicles or premises to insure
That will depend on factors such as the size of your organisation, the type of work you are doing, where and for whom, and your claims history
No, it can cover everything from restaurants and manufacturers to not-for-profits and charities
Yes, and if you have two or more vehicles in need of cover you can add a fleet insurance element to your policy
No, anyone can get a combined business insurance quote
Getting a quote from us is easy. You can call us on 01482 434343, request a callback or get a commercial combined insurance quote here. Thanks to our wide range of insurance providers, we can compare our markets to find you the cover you need at a premium you’ll like
Any organisation or business with complex insurance needs, be it a restaurant, a building firm, or a community centre, can benefit from having combined business insurance in place
The three main benefits of commercial combined are firstly that it makes insuring multiple risks easy, as you can add everything from commercial property insurance to fleet insurance on one policy. Secondly, it saves on administration time, especially if you need to make a claim, and thirdly, it often works out cheaper than having lots of separate policies
No, but given the level of protection it affords you, it’s well worth taking out if your organisation has dealings with the public, stock, commercial vehicles or premises to insure
That will depend on factors such as the size of your organisation, the type of work you are doing, where and for whom, and your claims history
No, it can cover everything from restaurants and manufacturers to not-for-profits and charities
Yes, and if you have two or more vehicles in need of cover you can add a fleet insurance element to your policy
No, anyone can get a combined business insurance quote
Getting a quote from us is easy. You can call us on 01482 434343, request a callback or get a commercial combined insurance quote here. Thanks to our wide range of insurance providers, we can compare our markets to find you the cover you need at a premium you’ll like
That will depend on factors such as the size of your organisation, the type of work you are doing, where and for whom, and your claims history