Combined Insurance for SMEs & Small Businesses

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Protect your small business with tailored all-in-one commercial combined cover

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

We compare quotes from leading insurers

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

COMPREHENSIVE PROTECTION FOR SMEs & SMALL BUSINESSES

  • PROPERTY DAMAGE

  • PUBLIC & PRODUCTS LIABILITY

  • BUSINESS INTERRUPTION

  • EMPLOYERS’ LIABILITY

Why Small Businesses Choose Combined Insurance

Combined insurance brings together all the essential protections SMEs rely on - reducing cost, simplifying administration and ensuring your business stays protected against everyday risks.

Core Covers Available

SME Combined Insurance protects your business from financial loss caused by accidents, damage, legal claims and operational interruptions.


  • Public Liability – protection if a customer or third party claims against you
  • Employers’ Liability – compulsory cover for staff injuries or illness
  • Property & Contents – buildings, equipment, stock and tools
  • Business Interruption – protects income after insured damage
  • Products Liability – essential if you manufacture, supply or sell goods

Common Risks Faced by SMEs


  • Accidental damage to property or equipment
  • Injury to customers, suppliers or staff
  • Fire, flood or theft disrupting operations
  • Claims arising from faulty or unsafe products
  • Loss of income due to insured events

Why SMEs Choose Insure24


  • Fast quotes from leading UK insurers
  • Specialist support for small businesses
  • Competitive pricing for bundled cover
  • Expert guidance tailored to your industry

Our SME combined policy saved us thousands after a flood closed our shop for a week. Excellent service and fast support.

James R., Small Retail Business Owner

FREQUENTLY ASKED QUESTIONS

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What is SME Combined Insurance?

SME Combined Insurance packages multiple essential covers - such as liability, property, business interruption and stock - into one cost-effective policy.

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Which businesses need this cover?

Ideal for any small business needing multiple protections: retailers, trades, cafés, offices, workshops, manufacturers and independent service providers.

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How much does SME Combined Insurance cost?

Pricing depends on your trade, turnover, number of employees, liability limits and property values. We compare insurers to find the best price available.

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Does it cover business interruption?

Yes - business interruption can protect lost income and additional operating expenses after an insured event such as fire, flood or major damage.

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