Commercial Combined Insurance
Simplifying complex protection. As your dedicated London insurance brokers, Compare Quote Save delivers a tailored Commercial Combined Insurance policy under one simple solution.
What Is Commercial Combined Insurance?
Commercial Combined Insurance is a flexible, multi-section policy designed for medium to large businesses with varied and complex risks. Instead of managing multiple separate policies for property, liability, and other exposures, Compare Quote Save bundles the necessary covers into one comprehensive package. This streamlined approach ensures there are no gaps in your protection, providing peace of mind to business owners across London and the UK.
Protecting Your Entire Business Under One Policy
A Commercial Combined policy protects your physical assets, financial liabilities, and operational continuity. The types of cover we include are tailored to your specific trade but typically include:
Property Damage: Coverage for your buildings, contents, plant, and machinery against fire, flood, and other perils.
Business Interruption: Protects your gross profit following an insured loss, allowing you to pay staff and cover fixed costs while you recover.
Public and Products Liability: Coverage for injury or damage caused to third parties by your business activities or products.
Employers’ Liability: A legal requirement for all UK businesses with employees, covering injury or illness caused by work.
Goods in Transit: Protection for your stock and equipment while being transported nationally or internationally.
Who Needs Commercial Combined Insurance?
Commercial Combined Insurance is ideal for established businesses in the London area and beyond that have outgrown simpler, package policies.
Target Businesses: Manufacturers, engineers, wholesalers, distributors, large warehouse operators, and businesses with significant stock levels, high-value machinery, or international exposure.
How CQS Helps: If your business requires protection against multiple risks, from premises damage to legal liability, a single CQS Commercial Combined policy offers efficiency and cost-effectiveness. The team at Compare Quote Save audits your operations to build a policy that fits your exact profile, ensuring you are not over-insured or under-protected.
Frequently Asked Questions about Commercial Combined Insurance
To give you complete confidence in your protection, we’ve compiled answers to the most common questions we receive regarding essential covers, such as Business Interruption, Property Sums Insured, and the liability requirements for large operations. If you can’t find the specific information you need below, call us on 0208 539 6010 and our expert team will be more than happy to help.
The policy itself is not mandated, but certain parts of it, such as Employers' Liability Insurance, are a legal requirement for almost all UK businesses with staff.
No. Cover for professional negligence (e.g., giving bad advice) requires a separate Professional Indemnity policy. Commercial Combined focuses on physical and operational risks.
The premium is based on a number of factors, including your trade, the sums insured for buildings and stock, your annual turnover, and your claims history.
Generally, no. Fleet is a specialist class of cover that is handled separately, but Compare Quote Save can manage both policies to ensure a seamless service. If you would like to discuss your fleet insurance needs, then contact our team today on 0208 539 6010.
It is an optional, but highly recommended, section. It is crucial for maintaining income if a fire or flood forces you to temporarily stop trading.
Yes, absolutely. Your sums insured must accurately reflect the maximum value of your assets. Failing to inform us of a significant increase could lead to under-insurance (average clause) in the event of a claim.
Ready to Secure Your Business with a Tailored Quote?
Don’t leave your protection to chance. Contact the specialist team at Compare Quote Save today to discuss your Commercial Combined Insurance needs. Our London-based brokers are here to provide tailored advice, review your current cover, and provide a no-obligation quote. Call the Compare Quote Save team on 0208 539 6010 or fill out our online form to get started.
