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Commercial Combined vs Individual Policies: Which Option Saves You Time & Money?
For UK businesses juggling multiple risks, insurance cover can quickly become complex. Whether you’re managing buildings, stock, staff or public…
Commercial CombinedInsurance
Commercial Combined Insurance
Bundle the covers your business needs, public liability, employers’ liability, contents and more, into one policy, with one renewal date.
Bundle the covers your business needs, public liability, employers’ liability, contents and more, into one policy, with one renewal date.
Liability & contentsBusiness interruptionCyber as an add-on
Compare from 20+ Trusted Insurers
Speak to a specialist 0330 027 0996
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What is commercial combined insurance?
Commercial combined insurance bundles the individual covers your business needs, public liability, employers’ liability, business contents and more, into a single policy with one renewal date, rather than juggling several separate ones.
It isn’t a fixed product. You choose which covers go in, so two businesses on "commercial combined" can end up with quite different policies.
Commercial combined insurance can include:
Public liabilityEmployers’ liabilityBusiness contents & stockProfessional indemnity (add-on)Product liability (add-on)Cyber cover (add-on)
Popular covers to build into your policy
Public Liability
Covers claims if your business injures a customer or damages their property.
Employers’ Liability
A legal requirement once you employ staff, covering workplace injury claims.
Professional Indemnity
Covers claims that your advice or design was negligent and caused a loss.
Business Contents
Protects equipment, stock and fixtures against fire, theft and damage.
Cyber Insurance
Covers the cost of a cyber attack or data breach, including lost trading time.
Combined policy vs separate policies
Combined policy vs separate policies
The right choice depends on how many covers you need and how much they overlap.
The right choice depends on how many covers you need and how much they overlap.
| Factor | Commercial combined | Separate policies |
|---|---|---|
Renewal dates | One renewal date for everything | Multiple renewal dates to track |
Admin | One policy, one point of contact for claims | Several policies, insurers and claims lines to manage |
Price | Often cheaper than buying each cover separately | Can work out more expensive overall |
Flexibility | You choose exactly what goes in from the start | Easier to swap one insurer without affecting the rest |
Top Tip
Most businesses that need two or more covers save time and money by combining them, the main exception is if you specifically want to use different insurers for different risks.
How much does commercial combined insurance cost?
There’s no fixed price. It depends on which covers you include, your trade, your business size and your claims history, the total is usually less than buying the same covers separately.
Which covers you include
More covers in the bundle mean a higher total premium, but each one is usually cheaper than buying alone.
Level of cover
Higher indemnity limits on each cover increase the total price.
Your trade and risk
A florist and a scaffolder face very different risks, and are priced accordingly.
Sum insured
The value of your stock, equipment and premises contents affects your contents premium.
Business size
More staff, more turnover and more premises all increase your overall premium.
Claims history
A clean claims record across all covers helps keep the total premium down.
How to get commercial combined insurance
How to get commercial combined insurance
Getting commercial combined insurance takes four steps: tell us about your business, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting commercial combined insurance takes four steps: tell us about your business, choose your covers, compare specialist insurers, then get covered, often the same day.
1
Tell us about your business
Your trade, size and the risks you want to cover.
2
Choose your covers
Public liability, employers’ liability, contents and more.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered with one renewal date
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Commercial combined guides
Commercial combined guides
Practical advice on building the right policy for your business.
Practical advice on building the right policy for your business.
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Customising Commercial Combined Insurance: How to Build the Right Package for Your Business
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Who Needs Commercial Combined Insurance? From Retailers to Manufacturers & Contractors
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Commercial combined insurance FAQs
Commercial combined insurance FAQs
Straight answers on what’s included, cost and how it compares to separate policies.
Straight answers on what’s included, cost and how it compares to separate policies.
Commercial combined insurance bundles the individual covers your business needs, such as public liability, employers’ liability and business contents, into one policy with one renewal date, rather than several separate policies.
Still have questions?
Our advisers are here to help you find the right solution.