Commercial Combined Insurance

Commercial Combined Insurance
Competitive Combined Business Insurance Backed By ‘Exceptional’ Service

 Want to save money on your commercial combined insurance?  Let the commercial insurance specialists at Coversure Hull compare our markets to find you the business insurance that’s right for you.  Whether you have a shop, a restaurant, a warehouse, a construction business or some other organisation with complex insurance need, call us today on 0800 977 6037 and let our award-winning team help simplify your insurance.

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Commercial business insurance backed by ‘Exceptional' service

Our award-winning team is rated as ‘Exceptional’ by feefo and with over 50 years of commercial combined insurance experience, you can rest assured you’re in safe hands.  Being independent we can put your needs first, and we’ll compare the market to find you great cover for a great value premium.  To find out more, call us free on 0800 977 6037 or start your commercial combined insurance quote today.

What is commercial combined insurance?

Commercial combined insurance – or combined business insurance as it’s also known - through Coversure Hull is a flexible policy that provides businesses and other organisations with a range of essential protections on one policy.  We can tailor it to your needs, and it can cover everything from your premises and stock to your employers’ liability and business vehicles.  Commercial combined insurance from us can protect you financially from:

  • Public liability claims
  • Employers’ liability claims
  • Personal accident claims
  • Loss, theft, or damage to your stock, machinery and materials
  • Temporary business interruption
  • Problems arising with your commercial property and business buildings
  • Directors’ and officers’ insurance (D&O) claims

Who needs commercial combined insurance?

Any organisation with multiple insurance requirements, be it a business, a charity, or a representative membership body such as a club, can benefit from getting a commercial combined insurance quote.  Its flexibility means it can be tailored to almost any organisation:

  • Builders and construction businesses
  • Shops
  • Manufacturers
  • Consultants
  • Online businesses
  • Distributors
  • Hotels
  • Charities
  • Offices
  • Pub and wine bars
  • Accountants
  • Lawyers
  • Motor traders
  • Wholesalers
  • Barber shops and salons
  • Office-based businesses
  • Logistics companies
  • Charities
  • Gyms
  • Importers and exporters
  • Food and drink companies
  • Packaging companies
  • Processors

That is to name but a few.  To find our more or to get a commercial combined insurance quote, please call us free on 0800 977 6037.  We’ll get to know your needs before comparing our markets to find you the commercial insurance that’s right for your organisation.

What can commercial combined insurance cover?

Combined business insurance through Coversure Hull can be tailored to your needs, but it commonly includes:

  • Public liability insurance – covers you should a member of the public injure themselves or if their property is damaged while you are working.  It covers the cost of claims made by members of the public for incidents that occur in connection to your business’s activities, for example, if they slip on the floor and decide to sue you, you’ll be covered

  • Employers’ liability insurance - is a legal requirement if you have employees.  It provides cover in the event of an employee injuring themselves or if their property is damaged while at work.  The law says that if you employ at least one person, you must have employers’ liability insurance (sometimes called ‘E.L. insurance’) in place to protect your employees in case they are injured or become ill as a result of working for you.  Your policy must:

    • Cover you for at least £5 million – some companies take £10 million or more
    • Be with an authorised insurer
    • And employers must provide a safe working environment

  • Fleet insurance - if you have two or more vehicles associated with your company – be they cars, vans, plant or trucks - you can save time and money by insuring them with fleet insurance.  Fleet insurance through us means you can:

    • Save money – by insuring multiple vehicles with business fleet insurance, you can reduce your per-vehicle insurance costs

    • Save time – having one policy to administer means fleet insurance can save you administration time versus having to look after several single vehicle policies

    • Flexibility – you can add or remove vehicles and drivers as you need to, and you can also insure all drivers to drive any of your vehicles should you take out an any-driver policy

    • Enjoy greater flexibility – you can add or remove vehicles and drivers as you need to without needing to get a new quote and policy.  You can also insure your entire team to drive your vehicles with an any-driver policy

    • Get cover for complex driving risks – whether you need cover for young or newly qualified drivers or even those with a chequered claims history, an any-driver policy could enable you to insure the drivers you need more easily

  • Product liability Insurance - if the products you use, recommend, or sell cause problems, you can be held liable.  Products are central to many businesses, and if something goes wrong, you can be liable for claims and compensation.  Should this happen to you, product liability insurance covers the costs of any compensation you are made to pay, together with the legal fees

  • Cyber insurance - Cyber-attacks are dangerous, potentially costly, and on the rise.  Half of businesses (50%) and around a third of charities (32%) have reported having experienced some form of cyber security breach or attack in the last 12 months.  This is much higher for medium businesses (70%), large businesses (74%) and high-income charities with £500,000 or more in annual income (66%), according to The Department for Business, Innovation and Skills’ 2024 report.  Today, cyber insurance can be considered as essential as protecting your stock or employees. Cyber insurance allows you to remain protected from the costs of ransomware attacks, data loss, reputational damage, and more
  • Professional indemnity - if you advise customers or provide a service and are required to advise on best practise, you should consider having professional indemnity insurance.  Professional indemnity insurance – P.I. insurance – will shield you financially should you be sued for losses by a customer for giving them poor or misleading advice

  • Directors’ and officers’ insurance (D&O insurance) - as the business’s leaders, senior figures can be personally liable for a business’s actions and face hefty financial losses should legal action go against them. Directors’ and officers’ insurance – or D&O insurance as it’s also known – protects your senior members from the costs of legal action, allowing them to focus on their jobs
  • Personal accident insurance - protects your organisation should someone be involved in an accident at work.  It will pay out in the event of death, bodily injury, or disablement.  The compensation provided can pay for temporary staff or cover the overtime cost for other team members

  • Business Interruption insurance - if something catastrophic happened – such as a fire or flood – and your premises were forced to close for a while, could you cope?  With no money coming in and bills needing to be paid, would you be able to keep going?  Business interruption cover provides you with an income while your business is out of action, providing much-needed peace of mind in a time of stress 

  • Commercial buildings insurance - if you own the building in which your organisation operates then you need commercial buildings insurance to protect it.  Buildings insurance protects you from the cost of repairing or rebuilding your building if it’s damaged by risks such as floods, fires, vandalism, or an explosion

  • Stock insurance - whether you’re running a shop, pub or restaurant, distributor, or manufacturing plant you’ll want stock insurance to protect your goods – particularly if you stock expensive items like technology, art, or alcohol.  Stock cover assists with the costs of replacing or repairing your inventory if it’s damaged, lost, or stolen.  Stock insurance protects your supplies in the event of storm damage, flood, fire, or theft — a crucial policy element given how expensive your stock can be
  • Goods in transit insurance - if you deliver goods to your customers, then goods in transit insurance is a good policy element to have in place.  This will protect the stock you are travelling with from theft, loss, or damage while you, or your drivers and their deliveries, are on the road

  • Business contents insurance - your business’s fixtures and fittings aren’t usually included under most contents policies. So, if you have a shop full of shelves or an office full of desks – both of which would be costly to replace – you’d be wise to have business contents cover as part of your insurance protection.  This could save you from hefty bills in the event of a fire, flood, or other disasters that could ruin these

  • Business machinery and equipment – many businesses require machinery and other equipment to get the job done.  If anything happened to yours, could your business function?  Business machinery and equipment cover assists you with the cost of repair or replacement of your kit should something go wrong

How much does commercial combined insurance cost?

At Coversure Hull we don’t believe in one-size-fits-all solutions for our clients.  Instead, we’ll get to know your needs and create a package of cover that fits your requirements.  What we can say is that your combined business insurance quote will depend on things like:

  • The size of your organisation
  • The type of work it does
  • If you have employees
  • If you have stock and what type of stock you hold
  • If you have any vehicles
  • Its postcode
  • If you have a commercial property to cover
  • Your claims history
  • How long you have been operating for
  • Whether you do deliveries
  • Whether you work with members of the public

If you’d like to know how much a commercial combined insurance policy will cost you, please get in touch.  You can call us on 0800 977 6037 or start your commercial combined insurance quote today.

Commercial combined insurance FAQ

Commercial combined is a complex area of insurance and it’s important to get it right.  To help you get the cover that’s right for you, here are our commercial combined insurance frequently asked questions.  We hope they will prove helpful, but if you’d like to get some independent advice, then please call us free on 0800 977 6037.  Our team of commercial insurance specialists will be happy to talk you through the options to ensure you get the protection that’s right for you.

Q. Who needs commercial combined insurance?
A. Any organisation that has employees, property or dealings with the public can take advantage of the protection business combined insurance can bring.  It’s not just for businesses though, charities and other not-for-profit organisations can benefit too

Q. Is commercial combined insurance a legal requirement?
A. No, though if you have employees, you will need employers’ liability insurance

Q. How much does business combined insurance cost?
A. That will depend on things like if you have any employees, vehicles, commercial property, and the value of your equipment and stock.  if you’d like to get some independent advice, then please call us free on 0800 977 6037

Q. Can commercial combined insurance cover vehicles?
A. Yes, you can insure your business vehicles on a commercial combined policy.  You can insure vans, trucks, business cars, and even plant equipment such as diggers and forklifts as part of a fleet insurance policy

Q. Can commercial combined insurance protect my stock, material and supplies?
A. Yes, it can insure these items against loss or theft, and can also protect expensive items such as machinery or office equipment from damage, loss, or theft

Q. How can I get a commercial combined insurance quote?
A. Getting a commercial insurance quote from us is easy.  You can call us on 0800 977 6037 or get your commercial insurance quote here.  Thanks to our wide range of insurance providers, we can compare our markets to find you the cover you need at a premium you’ll like. 

Get a commercial combined insurance quote

If you'd like some business insurance help or a commercial insurance quote, call us on 0800 977 6037.  We can give you all the advice you need and can compare our markets to find you the cover you require.