Provides protection should you need to close your business for any reason, such as due to a flood or fire. Stock & Contents Cover: In the event of deterioration, putrefaction or contamination of stored goods as specified in your policy, our Stock & Contents insurance will cover you against the cost of replacing the stored goods. Considering a Commercial Combined Insurance policy, but would like to find out more about it first? https://insuranceoctopus.co.uk/business-insurance-blog/business-startup-loans-boosted/, Business Insurance Blog – SRC Progressive Commercial Business Insurance Agency, Your Guide To Commercial Combined Insurance, Our Sharing Economy – Limit Your Exposure, Free Clash of Clans Accounts and Passwords, Free League of Legends Accounts and Passwords, Free World of Warcraft Accounts and Passwords. Our Employers’ Liability comes with £10m as standard. Download summary Get a quote Claims Contact us. We hope this guide has offered greater insight into this policy type, and if you’re on the lookout for one yourself, then we’d be happy to help. Which businesses could benefit from commercial combined insurance? Commercial combined insurance is designed to provide a wide range of property and liability insurance covers under a single policy. A commercial combined insurance policy is a comprehensive business cover in a single policy, bringing together a range of the covers most commonly required, primarily designed for smaller businesses, such as wholesalers, engineers, manufacturers. Commercial Combined policies include £50,000 of Directors and Officers liability insurance (D&O) automatically. From February 2021, most existing policies within the Commercial Combined suite of products, Traders Combined and Contractors Combined policies will migrate onto our new product wording, effective from the policy renewal date. Commercial combined insurance can give you peace of mind knowing that your business practices and processes are secure. Whether you’re a manufacturer, warehouse operator, distributor, technology specialist or some other commercial business type, we encourage you to get in touch with us today on 0161 968 2041 for your bespoke Commercial Combined Insurance quotes. Businesses face numerous legal risks from all quarters these days, risks which could sink smaller scale enterprises if the right insurance is not in place. *, Important exclusions, conditions or limitations. in relation to full or aspect enquiries; Cross Tax Enquiry; Employers compliance; VAT disputes); Statutory licence protection; Contract disputes; Debt recovery; Tenancy disputes. Equipment includes computers, electronic equipment, refrigeration equipment, air conditioning, telecommunications, lifts, machinery, cash registers, boilers, and audio equipment. We recognise that most companies have different business models, processes, machinery and staff numbers, even if they work in the same market. Even companies operating in the same sector are likely to have different business models, processes, machinery, staff numbers etc., meaning their commercial combined policies will need to reflect their individual requirements. Required fields are marked *. A commercial combined insurance policy is a comprehensive business combined insurance cover packaged-wrapped up into a single policy. Commercial Combined also includes £100,000 of legal expenses insurance. For many types of business a commercial combined policy may provide a good all round insurance solution. Health and Safety, Corporate Manslaughter, wrongful trading, and data protection, D&O makes sure directors get the benefit of an expert defence when they need it most – and we have an expert claims team. Commercial combined insurance offers comprehensive cover for commercial businesses. : Computers, electronic equipment, refrigeration equipment, air conditioning, telecommunications, lifts, machinery, cash registers, boilers, and audio equipment; Repair costs, replacement costs caused by breakdown; Loss of profits caused by a breakdown; Reinstatement of lost data; Temporary repairs or short term hire of equipment costs; Computer breakdown. At get indemnity ™ commercial combined insurance quotes start at £321 … Sensible. Commercial Combined. Up to £100,000 legal costs (solicitors, barristers) to defend or pursue cases: Up to £25,000 accountants’ costs to prepare information and liaise with Inland, Extensive library of modules topics include stress, managing contractors, manual handling, and work at height. Commercial Combined policies include £50,000 of Directors and Officers liability insurance (D&O) automatically. Commercial Combined Insurance is business cover in one single policy that comprises a range of key covers – which may include Public Liability, Employers’ Liability, Personal Accident Insurance and Business … By identifying the additional training needs of particular employees, the system helps the company to demonstrate a high standard of compliance to customers, contractors and regulators. We can cover you for: Loss of gross profit or gross revenue and/or increase cost of working following damage to your business premises; Loss of book debts following damage to accounting records at your business premises. You don’t want to have to spend long hours administrating various insurance covers and policies for different aspects of your business, and with this cover, you don’t have to. Trade Now. Coversure Middlesbrough Wins the ‘Customer Service Award 2019’ 13 March 2019. Primarily designed for smaller businesses, such as wholesalers, engineers and manufacturers, this policy provides complete protection, and can be tailored to your personal range of work requirements. Commercial combined insurance brings together a range of commonly required business covers under the convenience of a single policy. Whether you are storing extra stock for your own business, raw materials, or goods ready for distribution, Warehouse Insurance can protect against a variety of unforeseen events, from property damage to public liability claims. We have specially trained agents with dedicated markets on hand to make the process painless for you. Commercial Combined Business Insurance can be tailored to meet all the risks associated with the day to day running of your business. Up to £100,000 legal costs (solicitors, barristers) to defend or pursue cases. Fact ind orm. This saves time, hassle and makes your insurance easier to manage. This makes it cheaper than having multiple, individual policies. Compensation will pay your business a weekly sum of money if you are unable to work following an accident. ... With Direct Insurance London Market, you can be confident that, in the event of the worst happening, your claim will be handled by our in-house claims team. Goods in Transit Insurance: Hold ups on the road, accidents and theft are all unfortunate, especially without a suitable policy in place to provide compensation for delayed projects/replacement costs. In a single policy, Commercial Combined Insurance from SRC Progressive Commercial Business Insurance Agency could cover: Business Combined Insurance could also include Cyber Insurance and All Risks Insurance – which can offer coverage and protection from all risks or perils that could damage your business, contents and personal property unless the risks are excluded specifically in the policy wording. Why do I need commercial combined insurance? And if you have any further questions, we’d be happy to help. INSURANCE AND FINANCIAL HISTORY. As a business owner, you need another expense like a whole in the head, and when it comes to your business, every penny counts. Any one policy can feature up to 20 covers which can be added or removed at any time during the policy’s term giving you the flexibility to adapt your cover to the changing needs of your business. Commercial Combined Insurance is business cover in one single policy that comprises a range of key covers – which may include Public Liability, Employers’ Liability, Personal Accident Insurance and Business Interruption, among others. 1st Choice Insurance will find and compare the best combined business insurance quote specially tailored to your business needs. Complementing our unique General Liability product it provides maximum versatility for tailoring Employer's, Public and Products Liability insurance … This policy allows businesses to successfully combine buildings and liability insurance into one integrated product, offering a real breadth of choice. Without proper coverage, your business could be held liable for all manner of costly compensation – for example, compensation related to Employers Liability, Product Liability and Public Liability. In a single policy, Commercial Combined Insurance from SRC Progressive Commercial Business Insurance Agency could cover. The limits for some of the included insurances can be varied according to the size and needs of the business being insured. Help them return to work in a suitable position, Suggest necessary modifications to duties, equipment and retraining, Repair costs, replacement costs caused by breakdown, Up to £50,000 loss of profits caused by breakdown, Also up to £50,000 temporary repairs or short term hire of equipment costs. We fully understand that all businesses are unique, but some risks apply to most businesses irrespective of what they do. Improved policy cover for existing policyholders – Commercial Combined Migration is coming! Commercial insurance protects businesses against losses suffered in the course of their normal activities, particularly when the business faces property damage or a compensation claim. Even unfounded allegations can be stressful and time consuming, D&O protection responds as soon as we are told about a possible action against a director. It provides protection for you and your business in the face of todays ever changing world. , among others. All entities are part of the One Broker Group For a full list of the trading styles used within the One Broker Group visit onebroker.co.uk/trading Whether you’re a manufacturer, warehouse operator, distributor, technology specialist or some other commercial business type, we encourage you to, get in touch with us today on 0161 968 2041. Whether you’re a sole trader working from a home office or the Director of large Limited Company, we can help you get Commercial Combined Insurance quotes your happy with. These types of policies combine a range of essential covers to provide the business with affordable but comprehensive cover. Commercial combined Insurance put simply is insurance for your business, irrespective of your size. At SRC Progressive Commercial Business Insurance Agency, we can offer various business types a Commercial Combined policy, and these include everything from manufacturers, wholesalers and warehouse operators, through to construction businesses, technology businesses and distributors. Sensible. Subject to certain limits, extensions can include: contract sites; denial of access; bomb scares; unspecified customers; unspecified suppliers. Products and Services for Commercial Combined from Chubb offer flexible solutions for particular risks faced by businesses from retailers to machinery manufacturers. , while: In or on any vehicle operated by you; In or on any vehicle operated by hauliers; Travelling by parcel post; Travelling by rail. Commercial Combined Insurance for your business from Buckingham Insurance Consultants Limited. Directors get the benefit of an expert defence when they need it most and the assistance of an expert claims team. The purpose of a combined policy is to bring all your insurance needs under one policy with a single insurer and renewal date. A Commercial Combined policy means you only have one policy to deal with, and one renewal date to remember. Material Damage Insurance: Protects your business-critical premises, contents and equipment against the threat from sudden or unforeseen events, such as fire, storm or flood. JavaScript has been disabled on this browser. Commercial Combined Overview Cover for small to medium sized businesses involved in the manufacturing of components or finished goods, retail or wholesale, or the provision of services or sports, arts, community and leisure facilities. Well trained staff help avoid risks of legal action, fines or even imprisonment for the company directors. Business Combined Insurance offers many benefits, including: This policy offers businesses a hassle-free approach to insurance, as it can comprise a range of covers within one, and these can include: Public Liability; Employer’s Liability; Product Liability; Stock & Contents Cover; Business Interruption Insurance; Warehouse Insurance; Loss of Money; Material Damage Insurance; Goods in Transit; Cyber Insurance; Legal Expenses; Personal Accident Insurance; Engineering Breakdown; All Risks. and Warehouse Insurance – your policy can evolve as your business does. This could include compensation for expensive hospital fees and medical costs even if the case is very severe. Our Commercial Combined product provides your clients with a policy where the cover, limits and benefits are tailored to the individual business. Some are industry specific, Helps to equip front line staff with essential training for their jobs – and managers to conduct risk assessments and implement risk improvements, Web-based training saves time and money, as employees can be trained individually – at a time that suits the business, Data from interactive training session can be retrieved and stored, providing full audit trail for training, Coordinate medical services, liaising with doctors and insurer, keeping the patient fully informed, May include private consultations, specialist treatments or complementary therapies. Claims arising out of pollution, sickness or death, criminal or dishonest acts or Employment Practice violations. In addition our customers benefit from a range of extra covers and services that other insurers may not provide. Instead of dealing with 10 different companies or 10 different policies, you deal with one company, and one policy. You can usually pick and choose the types of business insurance and the level of protection you need, which works similarly to add-ons. In our latest guide, we take you through the ins and outs of this policy – what it is exactly, what it can cover and the benefits of it, as well as the types of businesses that could benefit from it. Our combined policies are very flexible, enabling us to shape them to your requirements. Commercial combined insurance, otherwise known as business combined insurance, is a modern and comprehensive policy with a variety of covers that can be tailored to the requirements of a wide range of business activities. Protects companies from various risks including: Public Liability, Product Liability and Loss Of Money, as well as covering you against Business Interruption, Material Damage, Engineering Breakdown and damage to stocks and contents. Commercial Combined includes access to a web-based compliance training system, designed to develop and strengthen the health and safety of the company. The policies are designed to offer comprehensive cover for all aspects of your business under one policy. At SRC Progressive Commercial Business Insurance Agency, Material Damage Insurance is available on a specific contingency basis with the option to include, ‘Accidental Damage’ for: Buildings, including glass breakage; Plant, machinery, trade fixtures (and all other contents); Other specified property; Stock in trade; Tenants’ improvements. Fact ind orm. From February 2021, most existing policies within the Commercial Combined suite of products, Traders Combined and Contractors Combined … 2020 - SRC - Insurance, Credit Cards, Mortgage Loans, Factoring, Real Estate, Luxury, Medical, Equipments, Progressive Insurance - Commercial Insurance - Business Insurance. A Commercial Combined policy means you only have one policy to deal with, and one renewal date to remember. We recognise that no two businesses are the same, and have developed this product to provide cover across a wide range of trades. You could also be liable if the products bear the name of your business or if you’ve repaired or refurbished them. No proprietor, partner or director of this business, whether in a personal capacity, or as the proprietor, partner We will cover you for all sums which you may become legally liable to pay for damages in relation to: accidental bodily injury; accidental damage to property; costs of medical treatment and transportation costs incurred by the NHS; cases in relation to obstruction, trespass, nuisance or interference with air, light, water or way; unlawful detention, imprisonment or arrest in connection with your business, or your ownership of the business’s building. So without further ado, we’d like to introduce to this insurance policy, and our guide. … Warehouse Insurance: If you own or run a warehouse then this policy can help to protect your premises, stock, equipment and staff as these are key elements to your business continuity. In the UK, it is a legal requirement to have at least £5 million cover to compensate your staff for any injury they may suffer while working for you – whether that be physical or mental. This information can be checked by visiting the FS Register (, Modern Slavery Act Transparency Statement, D&O covers defence costs, damages and settlements for “wrongful acts” (things that directors might get sued for because they are directors of a company) e.g. Commercial combined insurance is a package policy which can be tailored to specific needs of many business types. With this insurance policy, you can receive cover that can give you peace of mind knowing that your business is protected. With a broad range of covers, our Commercial Combined Insurance Policy is designed to meet the varied insurance needs of the UK's SME businesses. Improved policy cover for existing policyholders – Commercial Combined Migration is coming! Our Combined policy conveniently incorporates the main insurance needs of a business into one product. Our commercial combined policies contain all of the standard insurances.

commercial combined insurance

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