My Account
Premises-based businesses
Where buildings, contents, stock, equipment and interruption need coordinated consideration.
Commercial combined insurance
Commercial Combined Insurance UK
Bring property, liability, stock, equipment and business interruption needs into one coordinated commercial insurance conversation.
Property and liability options
UK commercial broker support
Cover subject to underwriting
On This Page
Working with insurer markets
Market access and cover availability depend on trade, disclosure, claims history, underwriting appetite and policy terms.
-
-
- CHUBB
-
-
- AXA
For a standalone definition, read public liability insurance for businesses. For activities and premises together, review hospitality and leisure combined cover or contractor insurance.
One coordinated package
Bring connected business risks together
Commercial combined insurance can place several property and liability sections within one arrangement. The appropriate sections, limits and excesses depend on the business and the insurer’s terms.
Buildings and premises
For insured damage to business premises where the business has an insurable interest.
Explore buildings cover →Contents and stock
For contents, stock, fixtures or equipment selected within the policy.
Explore contents and stock →Public and product liability
For covered third-party injury or property-damage allegations connected with the business.
Explore liability cover →Employers’ liability
For employee injury or illness claims, subject to the policy and applicable legal requirements.
Explore employers’ liability →Business interruption
For selected loss of income or additional costs following an insured event.
Explore interruption cover →Plant, tools and equipment
For specified machinery, plant, tools or equipment where the chosen policy provides cover.
Explore equipment cover →
Is this the right route?
When a combined policy may be suitable
This route is most useful when several connected risks need to be considered together. A standalone policy may be clearer when one specialist exposure drives the enquiry.
Retail and hospitality
Where customers, staff, premises, stock and trading interruption create connected exposures.
Manufacturing and wholesale
Where production, machinery, products, stock and supply-chain interruption may interact.
Multi-site operations
Where more than one location, varied activities or shared limits require structured review.
Not sure whether to combine the cover?
Compare the joined-up route with separate policies, or start with the broader business insurance hub.
Prepare for underwriting
Information that helps shape the package
Clear information helps the broker and insurer separate buildings, contents, stock, equipment, liability and interruption needs without relying on assumptions.
- Business activities, turnover and locations.
- Premises tenure and responsibility for buildings.
- Contents, stock, machinery and equipment values.
- Employees, subcontractors and payroll.
- Interruption basis and required indemnity period.
- Claims history, risk controls and contract limits.
Common questions
Commercial combined insurance FAQs
What is commercial combined insurance?
It is a flexible commercial arrangement that can bring selected property, liability and interruption sections into one policy. The actual sections depend on the business, the information disclosed and insurer terms.
Which covers can be included?
A policy may include buildings, contents, stock, equipment, public or product liability, employers’ liability and business interruption. Not every section is suitable or available for every business.
Is a combined policy better than separate policies?
It can simplify administration where several risks belong together. Separate policies may be more appropriate when specialist exposures, different insurers or distinct policy wordings are required.
Can employers’ liability be included?
It can usually be considered within a commercial package. Employers’ liability is generally a legal requirement for most UK employers, subject to limited exemptions.
Can previous claims or financial difficulties affect availability?
They may influence insurer appetite, terms or price, but do not by themselves establish the outcome. Full and accurate disclosure allows available insurers to assess the current risk.
Which parts of the UK can Insure24 support?
Insure24 helps UK businesses request commercial combined terms from suitable available insurer markets. Availability, cover and price depend on the disclosed risk and underwriting.
Request commercial combined insurance quotes
Tell us about the business, premises, people, property and interruption exposure. We can help route the enquiry towards relevant available markets.