Commercial Combined Insurance
Comprehensive Commercial Combined Insurance Cover for Your Business
Running a business involves multiple risks, from property damage and equipment theft to legal claims and business interruptions. Managing separate insurance policies for different risks can be costly and complicated. Commercial Combined Insurance provides a single, tailored policy that covers multiple aspects of your business, helping to simplify protection and reduce costs.
ABA Insurance offers specialist Commercial Combined Insurance, designed for retailers, manufacturers, wholesalers, and service providers. Our flexible policies help businesses protect their assets, employees, and operations, ensuring financial security and business continuity.
What You Get
Liability
Fleet
Plant
Professional Indemnity
Legal
And more…
What is Commercial Combined Insurance?
Commercial Combined Insurance is a customisable business insurance policy that provides cover for multiple risks under one policy. It allows businesses to combine essential covers, such as public liability, employers’ liability, property damage, and business interruption, into a single, cost-effective solution.
This type of cover is ideal for:
- Retailers and wholesalers
- Warehouses and logistics businesses
- Manufacturers and industrial operations
- Offices and service-based companies
- Construction and trade businesses
- Hospitality and leisure businesses
Without the right insurance, businesses could face financial strain from unexpected claims, equipment loss, or operational disruptions.
Why Do You Need Commercial Combined Insurance?
Simplified Business Protection
Managing multiple insurance policies can be complex and expensive. Commercial Combined Insurance allows you to cover multiple risks under one policy, making it easier to manage renewals and claims.
Customised Cover for Your Industry
Every business is unique. This policy can be tailored to include only the cover you need, ensuring that your business is protected without paying for unnecessary extras.
Protection Against Legal Claims
Businesses face risks from employees, customers, and third parties. This policy includes public and employers’ liability insurance to cover legal fees, medical expenses, and compensation claims.
Cover for Property and Stock
Whether you own a warehouse, retail shop, or office, this insurance protects your business premises, equipment, and stock against fire, theft, and accidental damage.
Financial Security for Business Interruptions
If your business is forced to close due to flooding, fire, or equipment failure, this policy helps recover lost income and additional operating expenses.
Compliance with Industry and Client Requirements
Many contracts and regulatory authorities require businesses to hold specific levels of insurance. A Commercial Combined Insurance policy ensures compliance with legal and industry standards.
What Does Commercial Combined Insurance Cover?
- Public liability insurance for third-party injuries and property damage
- Employers’ liability insurance for worker injury claims
- Property insurance for business premises, stock, and equipment
- Business interruption insurance to cover lost income due to closures
- Product liability insurance for defective products that cause harm or damage
- Professional indemnity insurance for businesses providing advice or services
- Goods in transit insurance for stock and deliveries
- Legal expenses insurance for contract disputes and business-related claims
Get The Right Business Insurance
How To Get The Right Commercial Combined Insurance Policy
Managing Multiple Insurance Policies?
Keeping track of multiple renewal dates and policy terms can be confusing. A combined policy simplifies everything under one agreement, making it easier to manage.
Struggling to Find Affordable Business Insurance?
Commercial insurance can be expensive, especially when purchased separately. A combined policy provides cost savings by bundling essential covers into one plan.
Worried About Business Closure Due to an Emergency?
Fires, floods, and theft can force businesses to shut down temporarily. Business Interruption Insurance helps cover lost revenue and ongoing expenses during downtime.
Need to Meet Contractual or Regulatory Requirements?
Many industries require public liability, employers’ liability, and product liability insurance. A combined policy ensures full compliance without gaps in cover.
Concerned About Cyber Threats and Online Risks?
With more businesses operating online, the risk of cyberattacks and data breaches is increasing. This policy can include cyber insurance, helping protect against financial losses due to hacking or fraud.
How Much Does Commercial Combined Insurance Cost?
The cost of a Commercial Combined Insurance policy depends on:
- The type of business and industry risks
- The value of property, stock, and equipment being insured
- The number of employees and level of employer liability required
- The location and security measures of business premises
- Previous claims history and risk management processes
ABA Insurance offers tailored policies to match your business’s specific needs, ensuring you only pay for the cover you require.
Why Choose ABA Insurance for Commercial Combined Insurance?
- Industry expertise with custom insurance solutions for all business types
- Flexible policies that can be tailored to meet your unique risks
- Competitive pricing with cost-effective cover bundles
- Fast quotes and a simple application process
- 24/7 support and claims assistance for hassle-free settlements
Client Testimonials
I cannot recommend this company highly enough. I have been a customer since April 2018 and the service I have received is outstanding. The staff are friendly and extremely helpful. Nothing is too much trouble. I would just like to say an extra thank you to Isabella for her customer service and commitment
Chris Baker
CEO/ Founder
Your Questions Answered
How do I know what level of cover I require?
Speak to one of our expects today who can guide you through understanding the levels of cover limits you may require. Call 01474 833 322.
What does Public Liability actually cover?
In short, this covers any damage you cause to any Third Party Property &/or Persons.
What does Professional Indemnity actually cover?
In short, this covers any claim that can come from any losses you may have caused your client or third party caused by the negligence of your professional services & advice you offer.
What is the difference between (BFSC) and (LOSC)?
A Bonafide Subcontractors is a supply and fit contractor that provides their own tools and materials. A Labour Only Subcontractor is pretty much an employee who you pay on a day rate and is under your supervision, direction & control.
What does Contractors All Risk actually cover?
Also referred to as Contract Works, this covers any damage/losses to your works in progress (on going works).
How can I get a quote from you?
Simple call us on 01474 833 322 and one of the team will assist you through a quick and easy experience.
Who do I contact if I have questions?
If you already have a policy with us, you can contact your account manager or alternatively call us on 01474 833 322 and a member of the team will be happy to help.
Why should I choose ABA Insurance?
We are a specialist brokerage within the Construction and engineering industry which means you only deal with a broker that understands your business. We advise on the best insurance solutions to help you in every way possible from advice, claims handling to any questions throughout your policy.
Who will deal with me at renewal?
The same person you delt with at the start. Our team want to make sure they know you and your business inside out. They are dedicated to you from new business all the way through to your renewal.
One Point Of Contact, Countless Ways To Help.
Get a Quote for Commercial Combined Insurance Today
Protect your business from multiple risks with Commercial Combined Insurance from ABA Insurance. Get a fast, no-obligation quote in minutes, or speak to our expert team for tailored advice.