For UK businesses juggling multiple risks, insurance cover can quickly ...
Commercial Combined Insurance
Commercial combined insurance offers a flexible solution designed to meet the diverse needs of businesses that require more than one type of cover. Whether operating in manufacturing, wholesale, distribution, or other sectors, this tailored approach enables businesses to combine essential protections into a single, cost-effective policy.
As a specialist insurance broker, we work with a wide range of leading UK insurers to help businesses compare suitable commercial combined insurance policies to match their specific risks, operational scale, and sector requirements.
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CALL US
As a specialist insurance broker, we work with a wide range of leading UK insurers to help businesses compare suitable commercial combined insurance policies to match their specific risks, operational scale, and sector requirements.
OR CALL 0330 054 0545
How It Works
1
Call us or complete our online quote form. We’ll collect a few key details about your business.
2
We’ll contact you to confirm everything, talk through your needs, and match you with the right level of cover.
3
We compare quotes from our panel of 20+ insurers, present your options, and explain the details before you buy.
Insurance Revolution's Reviews
What Is Commercial Combined Insurance?
Commercial combined insurance is a package policy that brings together multiple covers under one policy. It is typically suited for businesses with complex risk profiles or those operating across multiple areas. This type of policy allows businesses to tailor cover by selecting only the relevant sections needed, potentially reducing unnecessary costs and improving claims efficiency.
Why Choose a Combined Policy Over Separate Covers?
There are several benefits to consolidating insurance covers under a commercial combined insurance policy:
- Simplified administration with one policy, one renewal date, and one premium
- Customisable to business needs, so you only pay for relevant protection
- Improved claims process as insurers have a better understanding of your risk profile
- Cost efficiencies compared to purchasing individual standalone policies
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How Much Does Commercial Combined Insurance Cost?
Premiums vary based on a range of factors including:
- Type and size of the business
- Number of employees
- Nature of operations
- Claims history
- Value of stock and equipment
- Turnover and geographical reach
We work with businesses to obtain quotes from trusted insurers, enabling them to compare multiple options and select cover that suits their operations and budget.
Do I Need Commercial Combined Insurance?
If your business faces multiple risks and requires a blend of covers, a commercial combined policy may offer better value and clarity compared to multiple separate policies. It is especially beneficial for businesses with physical premises, staff, stock, and operational exposure across several areas.
Why Choose Insurance Revolution
We tailor your policy so you only pay for what you need
We’re not on comparison sites, we do the searching for you
Access to 20+ leading UK insurers
Flexible cover with monthly payment options and same day protection
UK-based team to support you when you need us most
OR CALL 0330 054 0545
Public Liability Insurance 
Protects against claims of injury or property damage made by third parties.
Employers’ Liability Insurance
In most cases a legal requirement if you employ staff, protecting you against claims from workplace injury or illness
Product Liability Insurance
Cover for injury or damage caused by products a business manufactures, sells, or distributes.
Buildings and Contents Insurance
Protection for physical premises and business contents against risks like fire, theft, and flood.
Business Interruption Insurance
Covers loss of income following events such as fire or flood that interrupt business operations.
Stock and Equipment Cover
Protects valuable inventory, tools, and machinery on-site or in transit.
Goods in Transit Insurance
Covers items being transported domestically or internationally.
Professional Indemnity
Useful for businesses providing consultancy or advisory services, protecting against claims of professional negligence.
FAQs
No, but some elements within the policy, such as employers’ liability insurance can be legally required if the business employs staff.
Generally no. Commercial vehicle or fleet cover is usually arranged separately, but as a broker we can assist with vehicle cover separately.
This type of insurance is ideal for SMEs, manufacturers, wholesalers, warehouses, and retailers who want the convenience of a single policy that can handle complex or multiple exposures. It suits any business needing broad protection.
Common inclusions are:
- Public & employers’ liability
- Product liability
- Buildings and contents cover
- Stock and tools cover
- Business interruption
- Goods in transit
- Legal expenses
You can add or remove elements based on your specific risks.
Yes, it can. Commercial combined insurance is customisable to suit your business type, whether you’re in retail, manufacturing, services, or another sector. You choose the covers you need, all in one policy, and it can often result in cost savings.
OR CALL 0330 054 0545
Helpful Articles & Updates
Understand how commercial combined insurance works with expert advice, policy breakdowns, and industry tips.
Who Needs Commercial Combined Insurance? From Retailers to Manufacturers & Contractors
Many UK businesses operate across diverse environments with varying risks. ...