Exchequer Risk Management
No.3 Siskin Drive, Coventry, CV3 4FJ
Opening Hours: 8:30am - 05:30pm

Commercial Combined Insurance

Commercial Combined Insurance incorporates multiple insurance covers to meet the needs of commercial enterprise business.


Flexible cover

Commercial Combined Insurance is flexible by design. Its suitable for a range of business types and can be tailored cover current risks and even future issues as your business needs change overtime.



Our commercial combined cover makes sure that all the business cover you need is safe within one policy, rather than paying for multiple separate insurance policies.



Every commercial combined package is built with the clients interests in mind to match your bespoke business needs and requirements.

What is Commercial Combined Insurance?

Commercial Combined Insurance is a single insurance product which incorporates a range of insurance covers to meet the main demands and needs of commercial enterprise business.
It’s flexible by design which means it’s suitable for a range of business types and can be tailored to protect the risks that individual businesses require cover for, and as your business needs change your policy can be adapted easily to reflect this.


Which businesses require Commercial Combined Insurance?

A Commercial Combined insurance policy is ideally suited to small-medium sized businesses who operate from a business premises. You select the covers required to protect against the risks your business faces, with the ease of having comprehensive insurance protection under one single insurance policy.

Which businesses require Commercial Combined Insurance?

Therefore, its also suitable for a wide range of businesses that include but are not limited to:


Any business or individual that sells goods in large quantities, typically at lower prices to retailers will need to consider a range of property and liability covers provided under a commercial insurance product.

Any commercial enterprise that produces finished goods from materials by using various tools, equipment, and processes will need to consider property insurances and liability covers with a specific focus on product liability insurance.

Any business or individual where raw materials or manufactured goods may be stored prior to their distribution for sale will need to consider insuring against the loss or damage to the goods, in addition to liability covers.

Any commercial enterprise that owns a building or group of buildings with facilities for the manufacture of goods will need to consider insuring those buildings, in addition to the potential liabilities and damage to the goods being produced.

Any business or individual that brings goods into the UK from abroad for sale, or that sends goods another country for sale, will need to consider both property and liability insurances, in addition to marine cargo insurance.

Any commercial enterprise that owns or manages a store or an online website that sells goods to the public will need to consider retail business insurance which for all intensive purposes is the same as a commercial combined insurance policy

icon What does Commercial Combined Insurance cover?

This policy covers a variety of risks, but its main pillars are liability and business insurance.. Cover includes protection against various perils like fire, theft, storm, flood, accidental damage, malicious damage and more. We can also provide advice and recommendations on additional covers to consider including within your policy.

For more information, talk to our team of Experts

Why Choose a Commercial Combined Policy?

One of the main benefits of employers choosing this insurance policy is that it can cover a wide range of affairs all within one policy, keeping the task of getting insurance small. Of course, you could simply purchase several separate policies, but having one combined insurance policy can save you a great deal of time and stress by only giving you a small amount to read and pay for throughout the year. With just one policy offering protection for your business, you need not worry about renewal dates for several different insurance policies and providers.

How does Commercial Combined Insurance work?

Our insurance providers will help find the most relevant covers and put them together for you in one easy-to-use policy. The following factors may affect how your policy will be tailored:

  • Your business size
  • Number of employees
  • Industry sector
  • Activities, processes and machinery used
  • Location
  • Turnovers
  • Market reach (domestic / foreign)

Getting to grips with the intricacies of your business will allow us to understand the risks it is facing on daily basis, as well as suggest a bespoke solution that will protect your clients and businesses from those issues.

Commercial Combined Insurance FAQs

Is it required by law to have employers' liability as part of my package?

Any business employing any amount of staff, whether they are full time, part time, labour-only sub contractors or volunteers, needs employers’ liability insurance as a legal requirement.

When you take out or renew a policy including employers’ liability insurance you will be provided with a certificate of employers’ liability insurance that will state the companies covered by the policy. This must be displayed where your employees can read it. You may display your certificate electronically but if you choose to do so you must ensure that your employees know how and where to find it and have reasonable access.

Yes. A variable level of cover is available against theft of your commercial property stock and contents, as well as optional covers against theft of money on the premises. Insurers security requirements will take into account your location, a type and amount of theft attractive property, i.e. stock, computers, business equipment as well as possessions.

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    What We Offer

    Other Commercial Insurance Services

    Fleet insurance provides cover for multiple vehicles within a business.
    Combined liability provides protection for businesses against liability risks.
    Covers any undetected damages found within a property before its completion.
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