Commercial Combined Business Insurance

Commercial Combined Business Insurance is a modern and comprehensive insurance policy that can be tailored to meet all the risks associated with the everyday running of your business in a single policy.

It is especially attractive to both smaller and large businesses, such as wholesalers, engineers and manufacturers, however many other industries, including factories, importers, exporters, warehousing companies and distributors also make use of Commercial Combined insurance. It offers flexible cover to protect everything you need.

Our tailored insurance service can include a full review and assessment of all our clients' insurance requirements and we always take time to ensure clients have a full understanding of their insurance cover. We offer guidance and assistance in finding the product that suits your individual business needs which is especially important as each insurer’s commercial combined policy can vary with differing terminology and terms and conditions.

What Protection does Commercial Combined Cover offer?

Public liability – Public liability helps to cover legal costs and other claims brought against you by members of the public (i.e. anyone other than an employee) due to any injury or property damage caused as a course of your business operations. This can be especially useful for shops and factories. So, if your business causes a member of the public to become ill or injured then your insurance will cover you.

Employers liability – is a legal requirement if you have any employees, and is the insurance that will protect you from an array of claims made against you such as injury or illness of an employee sustained during the course of employment. Employee's liability is an absolute must in instances of possible unsafe working conditions which may result in an employee becoming injured or ill.

Business interruption – If your business has to close or stop trading due to flooding, fire or other property damage; business interruption cover will mean you don't miss out on your income whilst you are forced to close, giving valuable peace of mind to many business owners.

Products liability – can be essential for distributors and manufacturers alike. Products liability protects you from any damage or illness caused by your products. This insurance includes cover for death or disablement, as well as related medical defects, to anyone injured as a result of a product defect.

Stock cover – If your stock is stolen or damaged then stock cover will be there to make sure you are covered. This type of cover can be vital for distributors, warehouses and shops. Please note “Money” is not protected by stock cover.

Other categories include, but are not limited to, property damage, equipment breakdown, personal accident, specified all risk, stock in transit, money, deterioration of stock, terrorism, loss of license and legal expenses insurance.

Depending on the industry and the specific business model, one or more of the above categories of insurance may apply to your specific requirements.

Benefits of Commercial Combined Cover

Having combined commercial cover means you have one policy covering your business needs rather than many. With one policy, you benefit from added flexibility that if you want to amend certain parts of your policy you only need to call one broker, allowing you to focus on running your business. And of course, the cost of one policy is nearly always cheaper than many!

Even companies working within the same sector are likely to have different requirements as a result of differing business models, processes, machinery, staff numbers etc. At Windom Finance we will provide you with the opportunity to receive professional assistance and guidance through consulting with one of our trained consultants.