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ONE POLICY. MULTIPLE BUSINESS COVERS. SIMPLE.
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PROPERTY & CONTENTS
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LIABILITY COVER
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BUSINESS INTERRUPTION
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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)
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
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
“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 RetailerFREQUENTLY ASKED QUESTIONS
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What is a combined or package business insurance policy?
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Is a package policy cheaper than separate policies?
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Can I choose which sections of cover I need?
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Can a combined policy cover multiple locations?
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How do I know if a package policy is right for my business?
Related Commercial Combined Package Guides
These are the strongest next pages when combined-package enquiries need comparing with wider business insurance, property protection, liability or cyber decisions.
Core Combined Package Pages
Core Product Links
More Commercial Combined Insurance Topics
Explore related cover for package structure, section planning, combined-vs-separate choices, and how businesses shape a complete combined policy.