Combined Commercial Insurance

All-in-one business protection, tailored to your risks.

Running a business exposes you to a wide range of risks. Our Combined Commercial Insurance brings key covers together under one simple, flexible policy, giving you cost-effective protection tailored to your business.

What is Combined Commercial Insurance?

Combined Commercial Insurance is a packaged insurance solution designed to protect businesses across multiple risk areas under a single policy.

Instead of arranging separate policies for each risk, this multi-cover policy simplifies your insurance by bringing everything together under one policy, reducing complexity and the risk of gaps in your protection.

This policy is typically suited to SMEs, but it can also be tailored to meet the needs of larger organisations.

What’s Included in Your Cover?

Our Combined Commercial Insurance provides essential protection for your business, with a range of core covers and the option to add additional covers to suit your specific business needs.

Included as standard:

Property Damage – protection for your buildings, contents, and business assets.
Business Interruption – Covers loss of income if your business is disrupted following an insured event.
Employers’ Liability – A legal requirement if you employ staff, covering claims for injury or illness.
Public Liability – Covering claims from third parties for injury or property damage.
Product Liability – Protection against claims arising from products you supply.

Optional add-ons:

Money cover
Goods in transit
Glass cover (including shopfronts and windows)
Equipment breakdown
Cyber insurance
Legal expenses insurance.

Tailored to Your Business

Each policy is built around your individual needs. Our team will carry out a detailed review of your business, which may include an on-site visit, to ensure that the level of cover and insured values accurately reflect your business risks.

This approach helps ensure that your policy is both comprehensive and appropriately structured.

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Who We Cover:

Combined Commercial Insurance is suitable for a wide range of businesses, including:

Retailers
Offices and professional services
Manufacturers
Wholesalers
Property owners and landlords.

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Why choose Kingfisher Insurance?

Experienced Claims Team

Support when you need it most – helping to resolve issues quickly and minimise disruption.

Expert Support

Our knowledgeable, friendly UK-based team delivers clear advice, fast responses, and ongoing support.

Cover Built For You

Flexible policies tailored to your requirements, with access to leading UK insurers.

Frequently Asked Questions

What is Combined Commercial Insurance?

It is a single policy that brings together multiple types of business cover, such as property damage, liability, and business interruption, into one convenient package. It’s simple, flexible, and helps to ensure there are no gaps in protection.

Is Combined Commercial Insurance suitable for small businesses?

Yes, it is often well-suited to small and medium-sized enterprises (SMEs), but it can be tailored for larger organisations depending on their structure and risk profile.

What types of cover are included as standard?

The standard cover includes Property Damage, Business Interruption, Employers’ Liability, Public Liability, and Product Liability. These provide essential protection for most businesses.

Can I customise my policy?

Absolutely! Combined Commercial Insurance is designed to be flexible. You can add covers such as goods in transit, legal expenses, cyber insurance, or equipment breakdown, depending on your business needs.

How are my insured values calculated?

Your cover is tailored following a detailed review with a member of our team. This may include an on-site visit to accurately assess your operations, assets, and risks and ensure appropriate levels of protection.

Why choose a combined policy instead of separate insurance policies?

A combined policy is typically more cost-effective and easier to manage than multiple standalone policies. Giving you one renewal date and the flexibility to customise your policy. It also helps reduce the risk of gaps or overlaps in cover, giving you greater peace of mind.