Commercial Combined Insurance
Comprehensive Business Insurance Tailored to Your Needs
Protecting your business often requires
more than one type of insurance.
Commercial Combined Insurance brings
together a range of essential business
covers within a single policy.
At Edison Ives, we help UK businesses
arrange commercial combined insurance
tailored to their premises, operations,
employees and individual risks.
Whether you operate a manufacturing
business, warehouse, wholesaler or
commercial premises, our team can
explore suitable insurance options
to protect your business.
Request a Commercial Combined Insurance Quote
Looking for comprehensive business
insurance under one policy?
Tell us about your business,
premises, activities, turnover,
employees and insurance requirements.
Our team will review your needs
and approach appropriate insurance
markets to explore suitable cover.
What Is Commercial Combined Insurance?
Commercial Combined Insurance is
a business insurance policy
that brings together several
different types of cover
within one insurance arrangement.
Rather than arranging separate
policies for buildings,
business contents, stock,
liability and business interruption,
eligible businesses may be able
to combine these protections.
The policy can be structured
around the specific risks
faced by your business.
However, not every business
requires the same protection.
It is important that the
cover selected reflects
your activities, premises
and contractual obligations.
What Does Commercial Combined Insurance Cover?
A Commercial Combined Insurance
policy can include a range
of covers depending on
your business requirements
and insurer availability.
Buildings Insurance
Can protect insured
business premises against
specified events such
as fire, storm
and certain escape
of water incidents.
Business Contents Insurance
May provide cover
for office furniture,
equipment, fixtures,
fittings and other
insured business contents.
Stock Insurance
Can protect insured
stock and materials
against specified
damage or loss,
subject to
policy conditions.
Business Interruption Insurance
May provide protection
against certain financial
losses following
insured property damage
that interrupts
business operations.
Public Liability Insurance
Can provide protection
against certain claims
involving third-party
injury or property
damage arising
from your business.
Employers’ Liability Insurance
Provides cover for
certain employee injury
or illness claims
arising from employment.
It is generally
legally required
for businesses
with employees,
subject to exemptions.
Products Liability Insurance
May provide protection
against certain claims
arising from injury
or property damage
caused by products
supplied or sold
by your business.
Machinery & Equipment
Cover may be available
for insured machinery,
plant and equipment,
including selected
breakdown extensions.
Goods in Transit
May provide protection
for insured goods
while being transported,
subject to the
selected cover.
Money Insurance
Cover may be available
for specified losses
of business money
at the premises
or in transit.
Legal Expenses Insurance
May provide assistance
with certain insured
business legal disputes
and associated costs.
Additional Business Covers
Other extensions
may be available
depending on the
insurer and your
business activities.
Important:
Not every Commercial Combined policy
includes all these covers.
The available sections, limits,
excesses and exclusions vary
between insurers.
Who Needs Commercial Combined Insurance?
Commercial Combined Insurance
can be suitable for
businesses that require
several types of
insurance protection.
Manufacturing Businesses
Insurance for
manufacturers with
machinery, stock,
premises and
liability exposures.
Wholesalers
Cover for businesses
holding and distributing
stock, with property
and liability risks.
Warehousing Businesses
Insurance arrangements
for businesses operating
storage and
distribution premises.
Engineering Businesses
Cover considerations
for engineering firms
operating workshops,
machinery and
specialist equipment.
Commercial Premises
Insurance for
businesses operating
from offices,
industrial units
and other
commercial buildings.
Growing Businesses
Flexible insurance
arrangements for
businesses with
changing premises,
employees, stock
and activities.
Suitability depends on
the insurer’s underwriting
criteria and the
nature of your business.
Why Is Business Interruption Insurance Important?
Property damage can
affect much more than
the physical assets
of a business.
A fire, flood
or other insured
incident may interrupt
trading for weeks
or months.
While property insurance
may pay for insured
physical damage,
it does not necessarily
compensate for the
financial impact
of interrupted trading.
Business Interruption Insurance
can provide protection
for specified financial
losses following an
insured event,
subject to the
policy wording.
Choosing the Right Indemnity Period
The indemnity period
should reflect the
potential time required
to repair premises,
replace equipment,
restore production
and recover trading.
Selecting an inadequate
period could leave
a business exposed
if recovery takes
longer than expected.
The Importance of Correct Sums Insured
One of the most
important aspects
of Commercial Combined
Insurance is ensuring
that sums insured
accurately reflect
your business.
This may include
the reinstatement
value of buildings,
replacement cost
of machinery,
stock values
and the appropriate
business interruption
figures.
Underinsurance can
result in reduced
claims payments
where policy
conditions such
as average apply.
At Edison Ives,
we can help you
understand the
information required
when arranging
your insurance.
Benefits of Commercial Combined Insurance
Multiple Covers in One Policy
Combine several
important insurance
sections within
a single
arrangement.
Tailored Protection
Select insurance
sections relevant
to your business
and its
individual risks.
Simplified Administration
A combined policy
can make managing
renewal dates
and insurance
documentation easier.
Coordinated Insurance Cover
Bringing different
covers together
can help provide
a more coordinated
insurance arrangement.
A combined policy
is not automatically
better or cheaper
than separate policies.
The most suitable
structure depends
on the business
and the cover available.
How Much Does Commercial Combined Insurance Cost?
The cost of
Commercial Combined Insurance
depends on the
size, activities
and risks of
your business.
Business Activities
The work you
undertake and
products you
manufacture or
supply can
affect pricing.
Premises & Property
The construction,
location and
values of
buildings and
business assets
can influence
premiums.
Turnover & Employees
Business turnover,
payroll and
employee numbers
can affect
liability
insurance costs.
Claims History & Cover
Previous claims,
policy limits,
selected sections
and excesses
can influence
quotations.
Our team can
review your
requirements and
approach suitable
insurers for
available terms.
Why Choose Edison Ives for Commercial Combined Insurance?
At Edison Ives,
we understand that
every business
faces different
risks and requires
insurance suited
to its operations.
We take time
to understand
your premises,
activities,
property values
and insurance
requirements.
Our team can
approach appropriate
insurance markets
and help explain
important policy
terms, exclusions
and limits.
We aim to
provide straightforward
advice and a
personal service
throughout your
insurance arrangements.
Looking for Commercial Combined Insurance?
Whether you’re
arranging insurance
for a new business,
reviewing your
current policy
or approaching
renewal, our
team would be
happy to discuss
your requirements.
Speak to Our Commercial Insurance Team
Contact Edison Ives
to discuss your
Commercial Combined
Insurance requirements.
Call us on
0113 390 4646
Or email
info@edinsure.co.uk