Commercial Combined Insurance

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Insurance tailored to suit your business needs.

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Commercial Combined Insurance Wales & England - Comprehensive Business Protection

Protect your business with all-in-one commercial combined insurance across Wales and England. From Newport to nationwide coverage, Insure24 provides expert commercial insurance advice combining multiple protections in one comprehensive policy.

Commercial Combined Insurance for Different Industries

Manufacturing Businesses

Specialized commercial combined insurance for manufacturers across Wales and England, covering machinery breakdown, product liability, and business interruption from supply chain disruptions.

Retail Operations

Comprehensive protection for retail businesses including stock damage, customer injury claims, and loss of income during forced closures.

Professional Services

Combined coverage for consultants, accountants, and professional service providers, including professional indemnity alongside standard commercial protections.

Hospitality & Leisure

Specialized commercial combined insurance for restaurants, hotels, and leisure facilities, covering food safety, customer liability, and seasonal business interruption.

Commercial Combined Insurance Across Wales & England

Based in Newport, Wales, Insure24 serves businesses throughout Wales and England with comprehensive commercial combined insurance solutions. Whether you're a manufacturer in Swansea, a retailer in Manchester, or a service business in Birmingham, our commercial combined insurance adapts to your specific business needs across Wales and England.

Why Choose Insure24 for Commercial Combined Insurance?

  • All-in-One Protection: Multiple insurance types combined in one comprehensive policy
  • Wales & England Coverage: Serving businesses across Wales and England from our Newport base
  • FCA Regulated: Authorized and regulated by the Financial Conduct Authority (Registration: 1008511)
  • Competitive Premiums: Cost-effective combined coverage compared to separate policies
  • Expert Claims Support: Dedicated support when you need to make a claim
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What Does Commercial Combined Insurance Cover?

Business Interruption Insurance

Essential protection for your business income and ongoing expenses:

  • Lost Revenue Protection: Coverage for income loss when your business operations are disrupted
  • Fixed Costs Coverage: Protection for rent, salaries, and other ongoing expenses during closure
  • Additional Expenses: Coverage for extra costs to minimize business interruption
  • Alternative Accommodation: Temporary premises costs if your business location becomes unusable

From retail shops in Cardiff to manufacturing facilities in Leeds, business interruption insurance ensures your business survives unexpected closures.

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Material Damage Protection

Comprehensive coverage for physical damage to your business property:

  • Buildings Insurance: Protection for fire, flood, storm, and structural damage
  • Contents Coverage: Equipment, stock, fixtures, and fittings protection
  • Machinery Breakdown: Coverage for essential business equipment failures
  • Stock Protection: Coverage for raw materials, work in progress, and finished goods
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Products Liability Insurance

Essential protection if your products cause injury or damage:

  • Product Defect Claims: Coverage when your products cause injury or property damage
  • Manufacturing Defects: Protection against claims from faulty production processes
  • Design Defects: Coverage for claims arising from product design issues
  • Recall Costs: Support for product recall expenses and associated costs
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Employers Liability Insurance

Mandatory protection for businesses with employees across Wales and England:

  • Employee Injury Claims: Coverage for workplace accidents and injuries
  • Occupational Illness: Protection against work-related health condition claims
  • Legal Defense Costs: Coverage for legal representation and court costs
  • Compensation Awards: Protection against compensation payments to employees
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I just bought an Insure24 commercial combined insurance policy, multi-trip for my partner and me, and saved £205 a year! 

Zowie Lewis , Director 

UNIQUE INSURANCE
TAILORED FOR YOU 

PROTECT YOURSELF

  • Public Liability
  • Financial Loss
  • Products Liability
  • 24/7 accident and claims helpline
  • Legal Expenses
  • Accidental Death
  • Business interruption insurance
  • Goods in transit insurance
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FREQUENTLY ASKED QUESTIONS

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Who Needs Commercial Combined Insurance?

If your organisation needs to insure against a range of risks and liabilities, this is an easy way to get a package of protection

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Can I Insure My Vehicles On A Commercial Combined Policy?

Yes, you can insure your business vehicles on a policy. You can insure vans, trucks, business cars, and even plant equipment such as diggers and forklifts

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Click to close Why do I need commercial combined insurance?

Commercial combined insurance can protect your property and business assets from loss or damage in the event of an insured loss. Whilst it is not a legal requirement, it’s certainly a prudent decision to arrange and gain financial protection. In many instances loss or damage cover is often a minimum requirement if you have arranged a commercial mortgage or lease equipment.
Commercial combined insurance is flexible and a policy can be tailored precisely for your business. If you employ staff you are legally required to arrange employers liability insurance which can be included alongside public and product liability insurance.

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Click to close What are the benefits of commercial combined insurance rather than multiple policies?

One policy. One renewal date. One premium.
By bundling your cover together, you can create a flexible policy which can be more cost efficient than buying various insurances separately. You can amend the policy at any time to add or remove specific covers from your policy. Packaging your insurance under one policy with a single renewal date helps to manage your time efficiently.

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Can I get commercial combined insurance with bad credit history?

Yes, you can obtain commercial combined insurance with adverse credit. We work with specialist commercial insurers across Wales and England who understand that past financial difficulties don't necessarily reflect your current business risk or operational standards.

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How does bad credit affect commercial combined insurance premiums?

While credit history may influence pricing, commercial insurers typically focus more on your business operations, risk management procedures, and industry type. Your current business practices often have greater impact on premiums than past financial issues.

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What credit issues do I need to declare for commercial combined insurance?

You should declare CCJs, defaults, bankruptcy, IVAs, and debt management plans. However, we'll help present your application positively, emphasizing your current business stability and operational improvements.

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Can I get commercial combined insurance while in an IVA or debt management plan?

Yes, being in an IVA or debt management plan doesn't automatically prevent commercial combined insurance coverage. We work with insurers who assess your current ability to manage the business and pay premiums.

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Can I get commercial combined insurance if I've had previous claims?

Absolutely. Commercial insurers understand that claims are sometimes unavoidable in business operations. We'll find providers who assess your current risk management and any improvements implemented since previous claims.

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How do different types of previous claims affect commercial combined insurance?

Impact varies by claim type: weather-related property damage is viewed differently than repeated liability claims. We'll help present your claims history in context and highlight risk management improvements.

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What if I've been refused commercial insurance elsewhere due to claims?

Being refused by one insurer doesn't mean all will decline. We work with specialist commercial insurers who have different risk appetites and assessment criteria for businesses with claims history.

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How long do claims affect my commercial combined insurance premiums?

Claims typically impact premiums for 3-5 years, with the effect diminishing over time. Demonstrating improved risk management and operational procedures can help offset previous claims impact.

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Can I get commercial combined insurance with criminal convictions?

Yes, criminal convictions don't automatically prevent commercial combined insurance coverage. The impact depends on the nature, severity, and recency of convictions, plus your current business licensing and operational status.

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Do I need to declare business partners' or directors' convictions?

Yes, convictions of business partners, directors, or key personnel may need declaring as they could affect business risk assessment. We'll advise on specific disclosure requirements for your business structure.

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How do fraud or financial crime convictions affect commercial combined insurance?

Financial crime convictions require careful handling but don't automatically prevent coverage. We work with commercial insurers who understand rehabilitation and focus on current business practices and compliance.

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What about motoring convictions for commercial combined insurance?

Motoring convictions may impact commercial vehicle elements of your policy and could influence overall risk assessment. Minor offenses typically have less impact than serious driving convictions.

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What's the advantage of commercial combined insurance over separate policies?

Commercial combined insurance offers cost savings, simplified administration, coordinated coverage, and often better terms than purchasing separate policies. It's particularly beneficial for small to medium businesses across Wales and England.

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Can I customize my commercial combined insurance coverage?

Yes, commercial combined policies can be tailored to your specific business needs. We'll assess your operations and recommend appropriate coverage levels for each element of the combined policy.

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How quickly can I get commercial combined insurance quotes?

Our online system provides instant indicative quotes, with detailed commercial combined insurance proposals typically available within 24 hours. Complex risks may require additional assessment time.

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What areas of Wales and England do you cover?

Based in Newport, Wales, we provide commercial combined insurance coverage throughout Wales and England. Our network of commercial insurers ensures competitive quotes regardless of your business location.

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Do you offer payment plans for commercial combined insurance?

Yes, we offer flexible payment options including monthly instalments to help manage your business cash flow. Payment terms vary by insurer and policy value.

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How does Insure24 help with complex commercial insurance applications?

We have extensive relationships with commercial insurers, including specialists who work with higher-risk cases. We'll present your application professionally, highlighting positives while being transparent about any challenges.

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