Combined / Package Business Insurance Policy Overview

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A simple way to protect your business with one combined policy – property, liability, business interruption and more under a single package.

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We compare quotes from leading insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

ONE POLICY. MULTIPLE BUSINESS COVERS. SIMPLE.

  • Property & contents

    PROPERTY & CONTENTS

  • Liability

    LIABILITY COVER

  • Business interruption

    BUSINESS INTERRUPTION

  • Optional extras

    OPTIONAL EXTRAS

What Is a Combined / Package Business Insurance Policy?

A combined or “package” policy brings together several key covers into a single, easy-to-manage insurance solution – typically including property damage, public liability, employers’ liability, business interruption, money, stock, and optional add-ons tailored to your trade or sector. Instead of juggling multiple policies and renewal dates, you benefit from one aligned package designed around your specific business risks.

Typical Covers Included in a Combined / Package Policy

Core protections that can be bundled together under one business insurance package.

  • Commercial buildings & office/retail contents
  • Stock, plant, machinery & equipment
  • Public & products liability
  • Employers’ liability (where required by law)
  • Business interruption / loss of gross profit
  • Money, assault & glass cover
  • Goods in transit (optional)
  • Legal expenses & tax investigation (optional)
  • Cyber, crime or professional indemnity (optional add-ons)
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Who Are Combined / Package Business Policies For?

Most UK SMEs and trading businesses can benefit from a packaged approach.

Typical Business Types

  • Shops, retailers & high-street businesses
  • Offices & professional service firms
  • Warehousing, wholesalers & distributors
  • Workshops, light manufacturing & engineering
  • Salons, clinics & health/beauty practices
  • Hospitality, cafés, restaurants & leisure

Why Businesses Choose a Package Policy

  • One policy, one renewal date, less admin
  • Aligned cover limits and policy wording
  • Often more cost-effective than separate policies
  • Easier to adapt as your business grows
  • Flexibility to add or remove sections
  • Clearer overview of your total risk protection
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How We Build Your Combined / Package Policy

We tailor the package sections and limits around how you trade, where you operate and what you rely on.

1. Understand Your Business

  • What you do and where you operate
  • Turnover, wage roll & headcount
  • Key assets, stock and equipment
  • Reliance on premises, people or key suppliers

2. Select & Tailor Cover Sections

  • Choose relevant sections (property, liability, BI, etc.)
  • Set sums insured and indemnity limits
  • Add sector-specific extensions where required
  • Review deductibles/excesses to balance cost vs. risk

3. Compare Multiple Insurers

  • We approach a panel of leading UK insurers
  • Benchmark pricing and coverage side-by-side
  • Highlight key terms, warranties & conditions

4. Ongoing Support & Adjustments

  • Mid-term changes as your business grows
  • Annual renewal review and re-market if needed
  • Claims support and liaison with insurers
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“Moving to a combined business insurance package with Insure24 simplified everything – one policy, better cover and a clearer picture of our risks.”

Richard S., Managing Director – Multi-site Retailer

FREQUENTLY ASKED QUESTIONS

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What is a combined or package business insurance policy?

A combined/package policy is a single insurance contract that brings together several key covers – such as property damage, liability and business interruption – into one tailored solution, rather than arranging multiple standalone policies.

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Is a package policy cheaper than separate policies?

Often yes, but not always. Many insurers rate package policies competitively, and there can be savings in both premium and administration. The key benefit is usually better-aligned cover rather than price alone.

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Can I choose which sections of cover I need?

Yes. Core covers are usually recommended based on your trade, but you can add or remove optional sections (such as goods in transit or legal expenses) to match your risk profile.

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Can a combined policy cover multiple locations?

Yes. Multi-location businesses can usually be insured under one package policy, with sums insured and limits allocated across each site.

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How do I know if a package policy is right for my business?

Speak to us. We’ll review your activities, assets, contracts and risk appetite, then advise whether a combined/package approach or a more bespoke programme is most suitable.

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