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Commercial Combined Insurance

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What Is Commercial Combined Insurance?

Commercial combined insurance is a fantastically flexible policy that allows you to cover a range of risks on single policy.   From public liability and damage to property, to loss of income and goods in transit, we can build a policy that protects your entire business.  Thanks to our close relationships with a range of leading insurers – household names including Aviva, RSA, and Axa – we can offer you affordable high-quality protection for:

  • Landlords
  • Manufacturers
  • Wholesalers
  • Distributors
  • Importers
  • Exporters
  • Food and drink companies
  • Packaging companies
  • Processors
  • Transportation companies
  • Warehouses
  • Factories
  • Retailers
  • Office-based businesses

What Can Commercial Combined Insurance Cover

Thanks to its capacity to encompass a wide range of risks, a commercial combined policy can include the following cover:

  • Public liability – public liability protects you against the costs associated with legal claims from members of the public. So, if your business, your premises or your actions lead to illness, injury or damage to property by members of the public, this policy will help keep you safe from a hefty compensation bill should a successful claim be brought against you

  • Employers’ liability – do you have employees? Regardless of whether they’re temporary, part-time, contracted or full-time, employers’ liability is a legal requirement if you have any staff.   Failure to have it in place can lead to a fine of up to £2,500 per dayEmployers’ liability protects you from claims for illness or injury caused to your employees through their work.  This means your staff will have the peace of mind of knowing that if things do go wrong that they will be compensated, and you won’t have to worry about potentially crippling compensation claims

  • Commercial buildings cover – do you own the building in which your business operates? If so, you’ll need commercial buildings insurance to protect your bricks and mortar.  Buildings insurance protects you from the cost to repair or rebuild your premises if it’s damaged by risks such as floods, fires or vandalism

  • Stock cover – as a manufacturer, distributor, retailer, wholesaler or other business that’s suitable for a commercial combined policy, you’ll likely have stock. In fact, you’ll likely have too much to be included in your building’s insurance policy.  This is where stock cover comes in, protecting your valuable goods in the event of storm damage, flood, fire or theft.  This is a crucial cover for any business where physical stock is your main source of income

  • Products liability – did you know that if products you use, recommend, manufacture or sell cause problems that you can be held liable for damages? As a manufacturer, distributor, wholesaler, cleaning business or retailer, products are likely to be central to the running of your business.  Therefore, protecting yourself against the risks that these products can cause is important.  Products liability insurance can protect you if they cause injury or illness and legal claims are brought against you

  • Fixtures and fittings – did you know that under most contents insurance policies that your fixtures and fittings aren’t included? So, if you have a shop full of shelves or an office full of desks – both of which would be costly to replace – ensure that you have fixtures and fittings as part of your insurance protection.  This could save you from hefty bills in the event of a fire, flood or other disaster which could ruin your fixtures and fittings

  • Business machinery – lots of businesses require machinery to get the job done. What would happen to your business if anything happened to its machinery?  Could it continue to operate?  Business machinery cover assists you with the cost of repair or replacement of machinery, meaning you can reduce the downtime of your business and get it back to work quickly

  • Business interruption – if your business was forced to close for a period of time, the effects could be catastrophic. With mounting bills and no income, it can be a business-threatening situation.  Thankfully, business interruption cover can be there for you at the worst of times.  This policy will continue to provide you with an income while your doors are closed

  • Goods in transit – do you have delivery vehicles of your own, move your own goods around or deliver them to clients? If so, standard vehicle insurance won’t be enough to protect them and their contents while on the road.   For that, you’ll need goods in transit cover. Goods in transit cover does what it says on the tin: it protects the contents of a vehicle while they are out for delivery or are being moved.  From your business products to the driver’s personal effects, goods in transit cover have you covered while on the road

  • Directors’ and officers’ insurance (D&O) – as the leaders of the business, senior figures can be personally liable for a business’s actions and face significant financial losses should legal action go against them.Directors’ and officers’ insurance – or D&O insurance as its also known – protects your senior members from potential financial losses, meaning they can focus on doing their jobs

What Are Benefits of Commercial Combined Insurance?

The core strength of a commercial combined insurance policy is the large amount of cover it’s able to provide on a single policy. It has a range of other benefits too, including:
  • Save money – when you take out a commercial combined policy, you’re effectively buying cover in bulk, and it can work out cheaper than having a collection of individual policies
  • Save time – if you have an individual policy for each of your business risks that can quickly amount to a lot of renewal dates, a lot of paperwork and a lot of hassle if you need to make a claim. With a commercial combined policy, you only have one renewal date and one policy to worry about which means you can get back to running your business sooner should you need to make a claim
  • Flexibility – with separate policies if a change occurs to your business due to expansion, more staff or diversification, then you’ll have to contact the various insurers to let them know of the change and how it will affect your cover. With commercial combined, one call can get all our cover updated.  This means that you don’t have to feel like your insurance cover is prohibiting your business from growing

Commercial Combined Insurance

Frequently Asked Questions

Commercial combined insurance can be complicated, so to help you get the protection you need, here are a selection of frequently asked questions about it:
At Fortify, we can find you policies for most types of businesses and organisations.  So, if you’d like to discuss your specific needs then please call 01733 301520 or contact us today.
Absolutely.  Landlords need buildings cover, liability and protection from loss of rent amongst others, all of which can be included on this policy

How much you pay will depend on factors such as:

 

  • The size of your business
  • What it does
  • The number of properties involved
  • Where it is
  • Whether you have any vehicles, who drives them, and where
  • Value of stock
  • Value of machinery
  • If you have any employees

 

If you’d like to discuss your specific needs then please call 01733 777789 or contact us today.

Definitely. This is a policy with lots of moving parts and to get the full benefit you’re best-off speaking to an independent insurance broker who can make sure you have the cover you need.
 

 

At Fortify, we have many years of experience in finding clients the commercial combined cover they need, and thanks to our close connections to a range of insurers, we can do the shopping around for you. If you’d like to discuss your requirements, then please call 01733 777789.

Get A Commercial Combined Insurance Quote

If you’d like an affordable commercial combined insurance, then call Fortify on 01733 301520 or click here to start your quote. Our team of specialists will search our markets to find you the right policy at the right price to keep your business protected.
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Fortify Ins Ltd t/a Fortify insurance is an Appointed Representative of Movo Partnership Ltd who are directly authorised and regulated by the Financial Conduct Authority with registration number 823503. Registered Office: First Floor, 30 High Street, Chislehurst BR7 5AS. Registered in England No: 11544238 

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