Business Combined Insurance
Running a business involves enough moving parts without juggling separate insurance policies. That’s where business combined insurance steps in with a single, streamlined policy that consolidates all your key commercial cover under one roof.
If your company has multiple locations, staff out working away from the premises or valuable stock and equipment to protect, a commercial combined insurance policy could be precisely what you need. One policy. One renewal date.
What Does Business Combined Insurance Cover?
We tailor each business insurance package to suit the way your company runs. Most policies can include:
- Property damage – Cover for your buildings, contents, equipment and stock against fire, flood, theft and more.
- Business interruption – Cover against loss of income if an insured event forces you to stop trading.
- Employers' liability – A legal requirement if you have staff, covering claims for accidental injury or illness at work.
- Public and Product liability insurance – Covers claims from a third party for accidental bodily injury and property damage arising from the activities of your business and the products you supply.
- Goods in transit insurance – Covers your stock or supplies while being transported between sites or to customers.
- Money and personal assault – Covers loss of business money and protection for staff during theft.
- Legal expenses – Covers legal costs for disputes including contracts, employment issues or tax investigations.
You can add or remove sections to suit your setup. It’s truly tailored business insurance.
Is Business Combined Insurance Right for You?
If you run a more complex business, with multiple sites, several employees or a mix of activities, a combined commercial insurance policy makes managing your cover much simpler. Rather than juggling five or six separate policies, we’ll build one that fits your business and keeps everything covered. It’s ideal for:
- Growing businesses
- Warehousing and manufacturing firms
- Trades with multiple locations or mobile
- Retail, hospitality or commercial premises with public footfall
Whether you’re a small business or managing a growing operation, we’ll help you get the right policy in place.
Why Choose Chubb Thomas?
- Truly independent insurance broker based in Bournemouth, with no corporate ties
- Insurance quotes tailored to your needs, across Dorset and surrounding areas
- Speak directly to your dedicated contact—no call centres, no waiting
- Work with your key person from start to finish
- Insurance quotes tailored to your needs, across Dorset and surrounding areas
- Fair fees and transparent advice every step of the way
- Independent and unbiased—we’re not tied to any insurer, so you always come first
- A reputation for excellence, delivering insurance services locally since the early 1980s.
FAQs
What is business combined insurance?
Business combined insurance is a flexible commercial policy that bundles multiple types of cover, such as property, liability and business interruption, into one manageable package. It’s ideal for businesses with more complex needs or multiple operations.
Who needs a commercial combined insurance policy?
Any business with several moving parts, locations or staff should consider commercial combined insurance. It’s popular with manufacturers, warehouses, trades and retailers who need broad coverage under one policy.
Is business combined insurance suitable for small businesses?
Yes, particularly for small businesses with complex operations or those growing quickly.
What does business combined insurance typically include?
A business combined insurance policy can include property damage, business interruption, employers’ liability, public and product liability, goods in transit, legal expenses and more. We tailor the policy to match your exact needs.
Can I customise my business insurance package?
Absolutely. Each policy is fully customisable. You can include or exclude sections like work away cover, money or goods in transit, depending on how your business operates.
Does business combined insurance include employers' liability?
Yes, if you have employees, employers’ liability insurance is a legal requirement and can be included within your combined policy.
Is public liability insurance part of a commercial combined policy?
Yes, public liability (and product liability, if relevant) is typically part of a combined business insurance package. This protects you if a customer or member of the public suffers injury or property damage due to your negligence.
Can I include multiple business locations under one policy?
Definitely. Business combined insurance is designed to cover businesses with multiple premises or sites. One policy, one point of contact and one less thing to keep track of.
Do I need employers’ liability insurance?
You must get employers’ liability (EL) insurance as soon as you become an employer – your policy must cover you for at least £5 million and come from an authorised insurer.
The definition of an employee is someone who has a contract with you. In the contract, their role, responsibilities and pay are clearly defined. The contract usually states the work hours, obligations, holiday allowance and other employee benefits. In other words, an employee works under your control and direction, and you are contractually obliged to provide them with regular work and pay them a salary. You still need employers ‘ liability insurance, even if your staff are part-time or temporary. If you are unsure, please contact our office and we can discuss in further detail.
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Trusted Dorset Insurance Broker
We’re a truly independent Dorset broker offering real advice, not scripts. offering tailored insurance quotes across Bournemouth, Poole, Weymouth, Dorchester and beyond. Whether you need personal, property or business cover, we deliver clear advice and a personal service every step of the way.
Contact Us
Let’s make your insurance work harder for your business. Drop us a message, give us a ring, or pop into our Bournemouth office—we’re always happy to chat.
Phone: 01202 778 000
Email: email@chubbthomas.co.uk