When Is Commercial Combined Insurance Suitable?

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Understand which business types and sizes benefit most from a Commercial Combined policy – and when a different approach might be better.

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We compare quotes from leading insurers

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

WHICH BUSINESSES BENEFIT MOST FROM COMMERCIAL COMBINED COVER?

  • Property based

    PROPERTY-BASED RISKS

  • People

    PEOPLE & PUBLIC-FACING

  • Operations

    ONGOING OPERATIONS

  • Multiple risks

    MULTIPLE RISK AREAS

Designed for Businesses with Several Interconnected Risks

Commercial Combined Insurance works best where businesses need a mix of covers – such as property, liability, stock, equipment and business interruption – all under one policy. It’s particularly suited to SMEs and mid-sized firms with physical premises, staff, customers and ongoing operations.

Business Types That Often Benefit from Commercial Combined Insurance

A combined policy can be an efficient solution for many different trades and sectors, especially where there is a mix of property, liability and operational risk.

Typical Industries

  • Manufacturing and engineering firms
  • Warehousing, logistics and distribution centres
  • Wholesalers, cash & carry and trade counters
  • Workshops, garages and repair centres
  • Print, packaging, fabrication and light industrial
  • Multi-trade contractors and construction-related businesses

Service & Commercial Sectors

  • Office-based businesses with significant equipment or records
  • Professional service firms with premises and visitors
  • Hospitality, leisure and recreational venues
  • Retailers with multiple stores or a central warehouse
  • Property owners with mixed commercial occupancies
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Which Business Sizes Work Best with Combined Cover?

Micro & Small Businesses

  • Ideal when a small business has several different covers to manage
  • One policy and renewal date reduces admin and paperwork
  • Good fit where sums insured and headcount are within SME ranges
  • Helps ensure consistent terms and fewer gaps in cover

Growing & Mid-Sized Businesses

  • Well-suited to growing SMEs with multiple locations or departments
  • Combines complex risks, but still within standard insurer appetite
  • Provides a platform to add sections like cyber, engineering or goods-in-transit
  • Can be adapted as the business scales, up to certain size thresholds

Larger & More Complex Operations

  • May still benefit from a combined framework, but with bespoke wording
  • Often require higher limits, specialist sections or global coverage
  • Sometimes better served by a programme of separate, specialist policies

When Combined May NOT Be Suitable

  • Very large corporates or multinational groups
  • Highly specialised industries with niche risk profiles
  • Businesses with complex contract or lender requirements
  • Operations requiring unique or manuscript policy wordings
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Signs That Commercial Combined Insurance Could Be Right for You

Practical Indicators

  • You already hold several separate policies with overlapping dates
  • Your broker or accountant has flagged gaps or duplication in cover
  • Claims or near-misses have highlighted how interconnected your risks are
  • You want one main policy document and renewal instead of many small ones

Strategic Reasons

  • You’re planning for growth and want a scalable insurance framework
  • You want clearer visibility of total cover and limits across the business
  • You want a single main insurer relationship supported by a specialist broker
  • You want to benchmark the cost of “all-in-one” against “separate policies”
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We had separate property, liability and business interruption policies with different dates and insurers. Insure24 moved us to a Commercial Combined arrangement – it’s easier to manage and gives us much clearer protection.

Ian R., Operations Director – Manufacturing Business

FREQUENTLY ASKED QUESTIONS

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Which businesses are best suited to Commercial Combined Insurance?

Typically, small and medium-sized businesses with premises, staff, customers and multiple risk areas – such as property, liability, stock and business interruption – benefit most from a combined policy.

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Is Commercial Combined Insurance suitable for very small businesses or sole traders?

It can be, especially if you have premises and several different covers in place. However, some very small businesses may be better served by simplified “shop”, “office” or “tradesman” package policies.

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At what point does a business become too large for a standard combined policy?

There is no single threshold, but high turnover, multiple countries, complex contract requirements or very high sums insured can mean a more bespoke programme is needed. A broker can advise when you are approaching these levels.

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How can I check whether Commercial Combined Insurance is right for my situation?

The best approach is a short review with a specialist broker. Insure24 can look at your current policies, discuss your operations and then advise whether a commercial combined, separate or hybrid arrangement suits you best.

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