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Compare commercial combined business insurance

A commercial combined insurance policy is a simple way to buy various types of insurance covers in one package to protect your business when something unfortunate happens.

This type of policy is designed to bring together a range of common covers in one simple comprehensive package.  The types of covers that usually form part of a commercial combined insurance package include employers' liability insurance, public and products liability, business interruption, property, contents and equipment.  These covers are designed to protect you, your business, your liabilities and satisfy your legal requirements as a business owner.

This insurance package is a good fit for small to medium-sized commercial enterprise businesses such as wholesalers, manufacturers, engineers, printers and warehouses. It can be tailored to the different risks these businesses face and offer the financial protection and peace of mind that your business is covered.

So call us today and speak to one of our insurance advisors or alternatively request a call back. We’ll obtain quotes from trusted insurers, and provide advice and professional recommendations to make arranging your insurance simple and hassle-free.

Why choose us?

  • Compare insurance quotes
    Right cover, right price
  • Expert advice in just one call
    Insurance tailored to your needs
  • Monthly payment options available
    Your business, your budget
  • Excellent customer service rating 
    Rated 4.6/5 based on 192 Feefo reviews

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Commercial combined insurance frequently asked questions

What is commercial combined insurance?

Commercial Combined Insurance, sometimes referred to Business Combined insurance is a single insurance product which incorporates a range of insurance covers to meet the main demands and needs of a small to medium-sized 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, what’s more 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 to medium-sized businesses who operate from a business premises. The product is flexible in that 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. It’s, therefore, suitable for a wide range of businesses including:

  • Warehouses
  • Manufacturers
  • Wholesalers
  • Retailers
  • Engineering companies
  • Importers & Exporters
  • Recreational and leisure facilities
  • Offices
  • Printers
  • Distributors
  • Plus many more…

What does commercial combined Insurance cover?

Commercial Combined Insurance can be made up of a number of different covers tailored to meet your business needs.  Our insurance advisors can provide advice and recommendations as to the covers you should consider including within your policy.  Just some of the insurance covers available include:

  • Public liability insurance
    Covers your legal liability to third parties such as if someone is injured or their property is damaged whilst at your premises
  • Products liability insurance
    Covers your legal liability against illness or injury caused by the products you produce, sell or repair
  • Employers' liability insurance
    To protect you if your employees are injured whilst at work
  • Property cover for buildings, contents and stock insurance
    To reinstate your items and belongings if they are damaged by an insured event
  • Business interruption insurance
    Keep finances running when disaster strikes due to an interruption to your business from an unexpected incident
  • Commercial legal expenses insurance
    Covers the associated costs and damages for things like property, contract and employment disputes in relation to your business
  • Goods in transit insurance
    To protect the cost of replacing your products whilst in transit in either your own vehicles or if they are carried by someone else
  • Specified all risks insurance
    To protect specific company items against most perils such as accidental damage and theft
  • Money insurance
    To protect against accidental loss, destruction or damage to money
  • Personal accident insurance
    To provide financial support in the event of  bodily injury to an insured person
  • Loss of licence insurance
    To protect you if your licence for the sale of excisable liquors is forfeited, suspended or withdrawn.

Additional covers to consider

  • Professional indemnity insurance
    For claims relating to a breach of your professional duty
  • Cyber liability insurance
    To protect your business in today’s digital world if the data you hold is compromised
  • Equipment and machinery breakdown insurance
    To protect the machines and equipment your business relies on if they breakdown
  • Engineering inspection insurance
    To offer a periodic inspection of machinery, appliances and equipment as defined by legislation

How to compare commercial combined quotes?

Whatever your speciality, commercial combined insurance could provide you with the essential covers you need to protect against the risks associated with your business – no matter how complex your needs are. Simply speak to one of our insurance advisors who are on hand to help you compare quotes and make the right decision for your business today.


As a customer you'll get exclusive access to our Business Toolkit with resources from the experts and our Retail Rewards with discounts on big name brands.

Start your insurance quote:

For advice:   
Request a call back

"I’ve used Premierline for my work insurance for a few years now. They always find me such competitive prices. As a small business owner I really couldn’t afford the prices when I looked online myself especially after having had no work for 7 weeks when Covid-19 first hit. So it was a huge relief to find a policy I could afford and be ready for when work started to pour in."

Mrs Bridger, Cleaning Contractor, Devon (Customer since April 2017)

"I rang Premierline just to check other insurance offers, after my sky high renewal from my previous insurer. The adviser was friendly and very easy to understand and talk to and he got me a fantastic deal. Very happy.”

Mrs McCall, Pet Shop, North Shields (Customer since January 2021)

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