One coordinated policy for full business protection
- Ideal for retailers, manufacturers, wholesalers, and service businesses
- Multiple covers combined under one policy with single renewal dates and consistent service
- All covers designed to work together with no gaps between different policy types
What is commercial combined insurance?
Combined commercial insurance works well for established businesses with premises-based operations including manufacturers, wholesalers, and distributors. Rather than managing separate policies for property, liability, and business interruption, you get coordinated protection under one policy with simplified administration.
This approach suits businesses that need multiple types of cover, and want everything working together rather than hoping separate policies don't leave gaps.
We can help you compare combined policies against separate cover to determine the most cost-effective approach for your business.
Types of commercial combined insurance
Property & Contents Protection
Buildings cover for owner-occupiers, contents protection for business equipment and fixtures, and stock cover for inventory and finished goods under one policy.
Comprehensive Business Liability
Essential liability protection under one policy including public liability for customer claims, employers' liability for staff protection, and product liability.
Business Interruption & Loss of Income
Protects your income when your business is disrupted by fire, flood, theft, or other insured events. Cover calculated based on revenue and recovery timeframes.
Flexible Additional Covers
Modular additional covers that can be added including machinery breakdown, computer equipment, cyber liability, legal expenses, and sector-specific protections tailored to your business.
Common questions about commercial combined insurance
If you can’t find an answer to your question, speak to a member of our team on 0113 323 6088
Combined insurance works particularly well for established businesses with premises-based work including retailers, manufacturers, wholesalers, and service businesses. It's ideal for businesses that need multiple types of cover and want coordinated protection with simplified administration.
Combined policies offer significant flexibility with modular structures allowing covers to be included or excluded based on your specific needs. We work with insurers to structure policies with sector-specific additions, and optional extras that reflect your particular business and exposure to risk.
Yes, combined policies can be structured with flexibility for growth including adjustable limits and the ability to add coverage as your business expands. Mid-term adjustments can accommodate changes in stock levels, premises alterations, new equipment, or additional business activities.
One claims handler manages everything. If you have fire damage affecting building, stock, and business interruption, it's handled together efficiently.
We can assist with your annual policy reviews. This could involve adjusting claims, adding new covers as your business changes, and coordinating any claims across all sections.
Want to bring all your business protection together under one policy?
Speak to a member of our team on 0113 323 6088
Parkstone Broking Ltd T/A Parkstone Insurance, 20-22 Parkside Horsforth, Leeds, West Yorkshire, United Kingdom, LS18 4DN, Company Number: 16501720
Parkstone Broking Ltd (Firm Reference Number 1035981) is an Appointed Representative of Bullerwell & Co Limited who are an independent insurance intermediary authorised and regulated by the Financial Conduct Authority (Firm Reference Number 301045).