What Is Commercial Combined Insurance? (UK Guide)

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A flexible insurance solution that brings multiple business covers into one cost-effective, easy-to-manage policy tailored to your needs.

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A COMPLETE INSURANCE SOLUTION FOR UK BUSINESSES

  • Property cover

    PROPERTY DAMAGE

  • Liability

    LIABILITY PROTECTION

  • Business interruption

    BUSINESS INTERRUPTION

  • Optional covers

    OPTIONAL ADD-ONS

What Is Commercial Combined Insurance?

Commercial Combined Insurance is a flexible, multi-section policy designed for SMEs, manufacturers, wholesalers, trades, property owners and businesses with a mixture of risks. Rather than managing several separate insurance policies, a Commercial Combined policy groups all your essential covers into one easy-to-administer package.

It provides protection for property, liability, business interruption and a wide range of sector-specific risks - all under one policy, tailored specifically to how your business operates.

Main Sections Included in a Commercial Combined Policy

A tailored mix of core and optional cover to match your business risks.

  • Buildings & contents
  • Stock, raw materials & finished goods
  • Machinery, plant & electronic equipment
  • Public liability
  • Employers’ liability
  • Products liability
  • Business interruption (loss of income)
  • Money & assault cover
  • Goods-in-transit
  • Legal expenses & tax investigation cover
  • Optional: Cyber, crime, PI, D&O and more
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Who Is Commercial Combined Insurance Designed For?

Suitable For:

  • Manufacturers & engineering firms
  • Wholesalers & distributors
  • Warehouse & storage businesses
  • Retail & high-street stores
  • Trades, construction & contractors
  • Property owners & estate operators

Why Businesses Choose This Policy:

  • One policy instead of multiple separate policies
  • Better alignment of cover limits & conditions
  • Often more cost-effective for multi-risk businesses
  • Easier renewals and ongoing administration
  • Customisable to your specific industry risks
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How Insure24 Builds Your Commercial Combined Policy

We tailor the sections, limits and extensions based on how your business operates.

1. Business Assessment

  • Understanding your trade, processes & risk exposures
  • Reviewing turnover, wage roll & number of employees
  • Analysing key assets, machinery & dependencies

2. Tailoring Policy Sections

  • Selecting the right sections (property, liability, BI, etc.)
  • Setting correct sums insured and indemnity limits
  • Adding optional extensions for sector-specific risks

3. Comparing Insurer Options

  • We approach multiple top-rated UK insurers
  • Benchmark cover, pricing & wording differences
  • Highlight warranties, endorsements and conditions

4. Ongoing Support

  • Mid-term adjustments as your business changes
  • Annual renewal reviews
  • Claims assistance & guidance
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“Insure24 made the process of arranging our Commercial Combined policy extremely easy - one policy, clear cover and competitive pricing.”

James R., Engineering Director

FREQUENTLY ASKED QUESTIONS

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What is Commercial Combined Insurance?

It is a flexible, multi-section business insurance policy that brings together property, liability, business interruption and other covers into one tailored package.

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Is a Commercial Combined policy cheaper than separate policies?

Often yes, as insurers may apply package discounts, but the main benefit is aligned cover and simplified management, especially for multi-risk businesses.

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Do all businesses qualify for Commercial Combined Insurance?

It is best suited to SMEs, manufacturers, wholesalers, contractors, property owners and businesses with multiple risks to insure.

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Can I customise which sections are included?

Yes. You can tailor the policy by choosing the sections you need, setting sums insured, and adding optional extensions based on your operational risks.

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Is Commercial Combined Insurance the same as a Package Policy?

They are very similar. A package policy is often used for retail or office-based businesses, while a Commercial Combined policy is typically used for more complex or industrial operations.

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