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Combined business insurance suitable for companies of any type.

We provide tailored solutions for warehouses, shops, restaurants, events, wholesalers, manufacturers, factories, offices, importers, start ups and for thousands of types of commercial businesses.

We work with you to understand the risks you face. Our service includes a full review and assessment. By working together we will be able to create a bespoke policy to suit your individual requirements.


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A commercial Combined insurance policy is a comprehensive business cover all rolled into a single policy, combining a range of the covers that are most commonly required.

Our policies can be tailor made to your business in order to meet the specific risks associated with the day to day running of your organisation.

Our commercial combined cover can include

Material damage, burglary and theft – Insures against the loss and damage of property.

Employers liability – This is a legal requirement should your business employ anyone. It protects your business if an employee gets injured or becomes ill due to business negligence.

Public and products liability – Protects you in the event that a third party suffers injury and/or loss as a result of negligence in your business activities

Business interruption cover – Protects the against the cash flow of a business should a major interruption such as a fire occur. Business interruption insurance will put the business back into the same financial position as before an incident.

Commercial legal expenses – In a legal pursuit, the costs associated with defending a claim can become high. Legal expenses cover is designed to provide the necessary help and financial support should your business become involved in a legal dispute. It can cover you for things such as solicitor fees, court costs, attendance expenses and employment compensation awards as well as the costs of appealing and defending an appeal.

Stock and goods in transit cover – Covers for loss and damage to goods that are in transit either by you or a third party courier. For larger shipments, have a look at our Marine policies.

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