Commercial Combined insurance
What is Commercial Combined insurance?
Commercial Combined insurance is a custom-made policy created using different, individual, types of insurance in order to make a bespoke policy. This allows for cover to be tailored to the requirements of you and your business.
In addition to being able to select the cover you require, you can select extensions to enhance areas that are important to your business, such as efficacy, deterioration of stock, product recall, book debts, etc. Likewise, it is possible to reduce cover to the minimum; for example, you may just want to insure your building against damage by fire and no other peril.
What should my Commercial Combined insurance cover?
In creating a Commercial Combined policy, you can choose the elements you require and ignore those that you do not. For example, a basic policy may include:
Material damage
Theft
Public liability
Product liability
Employers liability
Business interruption
Data protection
Environmental liability
While a useful way to obtain cover, a Commercial Combined policy may not be suitable for all. Some smaller businesses may find it cheaper to purchase a Commercial Package policy, noting that this may not have as much flexibility. Similarly, a Commercial Combined policy may not be suitable for larger businesses or those that are unusual or predominantly liability based. Additionally, there may be some aspects of cover that are best provided separately from your combined policy.
The best place to start is to get in touch to have a chat with us about the type of policy that would best suit you and your business.
What would you like to do?
Request a quote
Make a claim
Contact us
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