This is a package of insurance policies also referred to as traders combined insurance and business combined insurance.

The commercial combined package brings together the major classes of insurance required by businesses and commercial ventures into one policy document providing a more seamless approach to arranging cover and enabling savings to be made in administration by insurers. Similar but separate arrangements are available for shop insurance and many insurers also offer trade specific policies such as Care Home Insurance and Night Club Insurance that are in fact combined business policies but tailor made to a particular industry. Such branding of products often produces tangible benefits to clients but are sometimes more of a sales aid than genuine cover enhancements. Similar cover may be available at a lower premium on a non-branded product.

Business combined insurance packages are suitable for a wide range of businesses, from manufacturing and processing risks, though larger retail and office risks and warehousing and distribution. It is often not suitable for larger construction companies where insurers consider the liability insurance aspects of the risk to be a great deal more significant than the other risks.

Although insurers are often able to tailor the product to meet a clients need the most frequently found covers under the policy.

• Property Damage Insurance - Fire, Special Perils, Accidental Damage, Theft and Subsidence for buildings and contents - material assets of the business.
• Business Interruption - also referred to as Loss of Profits - protects the income of the business as a result of stoppage or slow down occurring as a result of an insured peril.
• Public Liability Insurance - Insurance against legal liabilities incurred by the business and including Product Liability Insurance.
• Employers Liability Insurance - a compulsory class of insurance for all UK businesses that employ persons.
• Goods in Transit Insurance - cover for stock and goods in the course of transit.
• Loss of Money -protecting cash within the business.

			Quotations and Cover

We offer a range of business combined and commercial combined insurance facilities from a range of providers. If you would like to obtain a quotation please follow this link or call us during office hours on 0845 838 7960.