My Account
Home / Commercial Combined Insurance / Commercial and Contractors Combined
What Is Commercial and Contractors Combined Insurance?
Commercial and contractors combined insurance can help protect businesses where premises, stock, liability, plant, tools and contract works are all part of the risk. It is useful when a standard commercial combined policy is too property-led, but a standalone contractors all risks policy does not cover the whole business.
Insure24 can help UK businesses compare suitable commercial package options from specialist markets. Cover availability, limits and conditions depend on the trade, claims history, work type, height/depth exposure, plant values and contract requirements.
Businesses That May Need This Review
- Contractors with premises, workshops or stored materials
- Manufacturers or wholesalers carrying out installation work
- Petrol stations, motor trade premises and mixed commercial risks
- Businesses importing, exporting or working to contract conditions
Cover Areas To Consider
- Property damage and business interruption
- Public, products and employers' liability
- Contract works, own plant and hired-in plant
- Tools, stock, materials and goods in transit
Why This Is A Useful Partner-Appetite Target
Some markets describe this appetite as commercial and contractors combined because the enquiry is not only a trade liability risk and not only a property risk. Searches around this phrase often come from brokers, business owners and contractors who already know they need a more joined-up answer.
Typical underwriting questions include the trade split, turnover, wage roll, contract values, plant values, maximum depth or height, hot works, imported goods, exports, previous claims and whether any works are carried out in higher-risk locations.
Related Pages
Compare this page with commercial combined insurance, contractors all risks insurance, contract works insurance, plant and tools cover and non-standard commercial insurance.