Does a combined policy include liability insurance?

Yes. Property owners’ liability, public liability and employers’ liability can all be included depending on your requirements.

All-Risks & Combined Commercial Property Policy

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Comprehensive all-risks protection for buildings, contents, stock, equipment, business interruption and liability - combined into one powerful commercial property policy.

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ALL-RISKS PROTECTION & COMMERCIAL COMBINED COVER IN ONE POLICY

Your complete commercial property solution

A Combined Commercial Property Policy merges multiple lines of cover into one: buildings, contents, stock, liability, business interruption, equipment breakdown and more. With All-Risks wording, protection extends far beyond named perils - covering unforeseen direct physical loss unless specifically excluded.

What Does “All-Risks” Mean?

All-Risks insurance offers broader protection than standard “Specified Perils” policies. Instead of listing what is covered, an All-Risks policy covers everything except stated exclusions.

Covers unforeseen accidental physical loss or damage
Responds to a wider range of real-world risks
Not limited to fire, flood, storm etc.
Ideal for high-value assets & operational businesses
Optional extensions for theft, breakdown & stock
Provides peace of mind for complex risks

SPEAK TO A COMMERCIAL PROPERTY SPECIALIST GET COMBINED PROPERTY POLICY QUOTES

What’s Included in a Combined Commercial Property Policy?

A single, comprehensive policy built for landlords, property owners, commercial unit landlords, warehouses, offices, retail and mixed-use premises.

Buildings & landlord fixtures
Contents, stock & equipment
All-Risks wording available
Glass, signage & shopfront cover
Theft & attempted theft
Equipment breakdown & machinery damage
Goods in transit
Accidental damage (optional)
Commercial landlord liability (property owners’ liability)
Employers’ Liability (if required)
Business interruption for reduced trading or total shutdown
Loss of rent for landlords
Legal expenses & dispute protection
Tenant-caused damage (optional)
Subsidence, heave & landslip (optional)

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Who Needs an All-Risks or Combined Commercial Property Policy?

Commercial Landlords

Shops, retail units & high-street premises
Offices & serviced office buildings
Industrial units, factories & workshops
Warehouse & distribution units
Mixed-use buildings with tenants

Occupiers & Business Owners

Retailers & hospitality businesses
Professional services & offices
Manufacturers & logistics firms
Engineering, industrial & production facilities
Businesses requiring all-risks equipment cover

SPEAK TO A COMMERCIAL PROPERTY SPECIALIST GET COMBINED PROPERTY POLICY QUOTES

FREQUENTLY ASKED QUESTIONS

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What is an All-Risks commercial property policy?

All-Risks cover protects against any accidental physical loss or damage unless excluded. It offers wider cover than a standard perils policy.

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What is a Combined Commercial Property Policy?

It merges multiple covers (buildings, contents, liability, BI, breakdown, stock, landlord cover, etc.) into one single insurance package.

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Is All-Risks cover more expensive?

Not always. Pricing depends on the building, occupancy and risk factors. Many policies combine perils and all-risks sections to achieve value.

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Does a combined policy include liability cover?

Yes - property owners’ liability, public liability and employers’ liability (if needed) can all be included.

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Does this policy cover loss of rent or business interruption?

Yes - loss of rent for landlords and business interruption for occupiers can be added or included as standard depending on the policy type.

Related Commercial Property Guides

These are the strongest next pages when a combined commercial property policy needs to be compared against wider decisions around price, structure, liability and the overall insurance setup.