Commercial Combined Insurance

Commercial combined insurance is a type of business insurance policy which combines multiple coverage elements into a single package. Rather than purchasing separate policies for various risks, a business can choose a commercial combined policy that covers the whole spectrum of risks and is tailored specifically to its unique requirements. The elements combined in this type of policy can vary depending on the insurance provider and the needs of the business. This type of insurance policy is particularly useful to small businesses because it is customised to cover their specific needs.

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What is Commercial Combined Insurance?

Commercial combined insurance is a tailored insurance solution which is designed for businesses that can package multiple coverage elements into a single policy. By using a combined approach you can simplify the management and admin as well as make financial savings. Some of the best motor trade insurance types that are typically included in commercial combined insurance are:

  • Property Insurance – this will cover damage to buildings, contents and stock caused by events such as fire, theft or natural disasters.
  • Business interruption – protects against the loss of income a business might have after a disaster - if operations are impacted or stopped totally.
  • Public liability – this covers the instance if a member of the public is injured, or their property damaged, due to the business’s operations.
  • Employer’s liability – this cover will protect against claims from employees who have been injured or become ill as a result of their job.
  • Goods in transit – this will cover goods and stock while they’re being transported, whether by the business’s own vehicles or third-party carriers.
  • Product liability – this covers businesses against claims of personal injury or property damage caused by products sold or supplied.

Other add-ons can cover money held on site, equipment failure, losses caused by employee fraud, theft or other dishonest actions, coverage of legal expenses and other unique requirements depending on your business’s needs.

Who Needs Commercial Combined Insurance?

Commercial combined insurance is designed for businesses that require a range of coverages to address their many, and different, risks.

  • Small Businesses

    Small businesses will value a commercial combined policy as it can handle all of their specialised, diverse requirements and support their cash flow management with a single premium payment each month or year. Start-up and growing businesses will value a single policy approach to cover all bases and protect their young company.

  • Medium to Large Companies

    Medium to large companies with more complex operations can also find that commercial combined insurance will simplify the insurance coverage that they need.

  • Retail Outlets

    Retail outlets and service providers with physical locations such as gyms, beauty salons and repair shops will require a combination of property insurance, public and employer’s liability as well as business interruption and more.

  • Manufacturers, Wholesalers and Distributors

    Manufacturers, wholesalers and distributors who will need cover for buildings, machinery, stock, liability for products, employees and members of the public as well as business interruption coverage.

  • Offices, Retail Stores and Warehouses

    Companies with multiple locations and diverse operations such as offices, retail stores and warehouses will value a single commercial combined insurance policy to cover all their sites and operations.

There are as many different types of companies which would value a commercial combined insurance approach as there are types of policies that can be curated in this flexible option for covering the risks associated with your business.

Commercial combined insurance is designed for businesses that require a range of coverages to address their many, and different, risks. Some of these include:

The Benefits of Commercial Combined Insurance

Comprehensive Coverage

Tailored coverage according to the specific needs of the business. Ensures the most likely risks are covered.

Simplified Management

Single policy consolidates coverage, making it easier to manage. One renewal date, one insurer, and one premium, saving time and effort.

Cost Effectiveness

More cost-effective than paying for multiple policies individually.

Streamlined Claims Process

Having only one claims process can lead to potentially quicker settlements.

Improved Cash Flow Management

Single premium helps with cash flow management.

Minimized Coverage Gaps

Reduces the risk of coverage gaps between policy overlaps.

What Are the Cost Factors of Combined Commercial Insurance?

The cost of combined commercial insurance is influenced by a variety of factors and these determine the risk associated with insuring the business and, therefore, the cost of the premium that an insurer is likely to charge.

Some of the key cost factors are the nature and size of the business, as bigger companies with more employees and especially those with a higher risk factor due to their nature will cost more to insure. The location of the business may impact the cost if it is located in high-crime areas where there is a greater risk of theft or vandalism.

The type and value of the assets being insured, such as buildings, equipment and inventory, as well as if there is a history of frequent claims, can all add to the level of cost that an insurer is going to need to cover, raising or lowering the premiums as a result..

How long the company has been operating is also a factor, as a newer company could be deemed higher risk than one with an established reputation, and even the number and type of employees can affect the premium.

For example, employees you might be seeking cover for to drive business vehicles who haven’t got a clean licence, will mean they carry a higher rate of risk to the insurer. As each company is unique, the level of coverage for a combined policy will vary.

The best way to know what the cost of combined commercial insurance will be for your business is to get in touch with a member of our team for a discussion and a free quote

Components of Commercial Combined Insurance

Commercial combined insurance is a specific type of policy which is bespoke to each business and its unique needs, so whilst some components are standard, there are a range of different add-on policies that can cater to your business’s requirements. Some of the common components which a commercial combined insurance policy will often include are:

  • Property insurance.
  • Public liability.
  • Employer’s liability.
  • Product liability.
  • Business interruption.
  • Goods in transit.

There are many other add-ons which can cover more unique business needs, such as equipment and computer breakdown, liability for cyberattacks, environmental damage or pollution caused by the business’s operations and other risks. The beauty of commercial combined insurance is that it can have the exact components your business requires to provide comprehensive coverage.

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In the UK, businesses are legally required to have employer’s liability insurance if they employ staff, to cover against injuries or illnesses employees might suffer due to their work. While other coverages under commercial combined insurance aren't mandatory by law, certain contracts or industry bodies may require them. For more information about what the legal requirements for insurance coverage are for your business, get in touch with a friendly and expert member of our team who can offer you current advice.

When a claim arises, businesses should promptly notify our 24/7 claims team, providing all relevant details. Documentation, such as photographs, witness statements or police reports, will be required. The insurer will assess the claim and determine the compensation and some policies might have a designated claims adjuster to handle the process. Our expert team are happy to give more information about the process of making a claim on your commercial combined insurance and how to contact our helpline, get in touch today to discuss your situation with a member of our team.

Commercial combined insurance doesn't automatically grant permission to drive any car as the specific coverage depends on the policy details. Some commercial vehicle policies in the UK offer "driving other vehicles" coverage, but it's essential to read the policy to understand the extent and limitations of such coverage.

Commercial car insurance covers vehicles used for business purposes, like delivery trucks or taxi services and it covers the increased risks associated with business use. Non-commercial, or personal, car insurance covers every day, personal use of a vehicle. The main distinction lies in the vehicle's primary use and the associated risks. Commercial car insurance is likely to be higher than personal, non-commercial coverage as the risks associated with a business vehicle are greater.

While often used interchangeably, "commercial insurance" typically refers to coverages for larger companies or specific commercial activities, whereas "business insurance" is a broader term encompassing insurance solutions for businesses of all sizes, including sole traders and small companies. Both aim to protect against business-related risks, but the scale and specifics of coverage will differ as widely as the types of business that they undertake are different.

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