Commercial Combined Insurance

Businesses range in all shapes and sizes from delicatessens to your traditional butchers, florists to furniture shops. Based on the high street or industrial parks, they also operate online through ecommerce stores. With the increased reliance on technology, this presents a range of new risks and challenges. Each face unique risks relevant to their specific trade, however there are also a number of similarities in the covers that a business insurance policy would provide. We understand businesses face exposure to unforeseen events that could cause injury to customers or employees, or damage to premises that interrupts the company’s ability to trade.

Our combined policies cover a multitude of businesses including but not limited to the following:

• Shops
• Offices
• Surgeries
• Internet and Virtual Shops
• IT Hardware, Firmware and Software Providers
• Charities and Schools
• Restaurants, Hotels and Clubs
• User Groups and Other Organisations
• Contractors
• Manufacturers

We can combine a number of covers into one convenient solution, designed with your business requirements in mind. Public and Employers’ liability cover is a fundamental part of your cover, safeguarding your business against accident injury to anyone that visits your shop or works for you.

Contents, stock and even buildings, if they are owned, will be high on your priority list. Bespoke packages will also include cover for money, goods in transit, and business interruption cover, that will protect your income and cover your expenses if your premises suffers damage meaning you are unable to trade.

We can support you in identifying, quantifying, and managing your insurance risk by:

• Working with you to help identify your risk exposure and providing knowledgeable recommendations.
• Assessing your cyber risk exposure to improve risk control and explore insurance options.
• Understanding the nature of your operations to prepare and protect against potential risk exposures.

With over 20 years experience we are industry experts that understand the covers that are relevant to different trades in your industry. We look to do more than simply managing risk to being able to offer a tailor made insurance solution meeting your requirements.