Commercial Combined Insurance

Flexible & tailored cover designed for businesses

Compare quotes from a wide range of insurers now

Start your quote

Understanding commercial combined insurance

Your business, protected with one simple policy

They say experience comes with age, but the age of your business has no bearing on your future. Unexpected events and unforeseen circumstances can affect and impact your operations, no matter how well you prepared for them. You may be seeing steady growth, an increased customer base and creating superb customer service, but if one day you came into work and all of your stock had been damaged or stolen, the repercussions would be felt throughout the business. It’s scary to think about this, but better than before it’s too late. To minimise impact and restore business functionality as soon as possible, having a commercial combined policy in place to protect your business is always a good idea.

A commercial combined business insurance policy from The Insurance Octopus ensures a flexible approach to an insurance policy. Allowing you to pick and choose from cover including public liability, product liability, building insurance, stock & contents cover and material damage insurance, you also gain the added bonus of an insurance broker with a wealth of experience. Our award-winning team will guide you through our available options and provide you with a range of commercial combined insurance quotes that are most suitable for your business. So whether you’re in need of personal accident cover, engineering breakdown cover and/or employer’s liability, you can get all this and more in one handy policy. 

If you’re in need of a commercial combined policy that takes your requirements into account, and provides savings and discounts that you’ll love, then please get in touch with our team today on 0161 968 2060.

What Is Commercial Combined Insurance?

A commercial combined business insurance policy is an extensive business cover in one single policy that incorporates a variety of necessary covers. Suitable for businesses including wholesalers, engineers and manufacturers, commercial combined insurance offers complete protection for your business, and can be tailored to meet the insurance needs of your business, and the specific risks your business may encounter. 

Business owners choose commercial combined insurance policies because they provide great flexibility in covering a range of different risks under one policy. For example, employers’ liability cover, professional indemnity and public liability can all be included, as well as more specific policies for your business, such as stock cover, or business interruption cover. By combining a variety of beneficial insurance policies under one policy, it makes the claims process, as well as the renewal process, considerably easier. Commercial combined insurance is also a great time saver, and due to its bespoke cover, can be added to, and taken away from, so that it becomes a more cost-effective solution as your business grows or diversifies. 

Commercial combined insurance can give you peace of mind knowing that your business practices and processes are secure. For your tailor-made commercial insurance quote, please contact us today on 0161 968 2060.

The Businesses That Could Benefit From A Commercial Combined Insurance Policy

We pride ourselves on being able to offer our clients a range of commercial combined business insurance policies, allowing them to pick the most suitable for their business. We understand that the needs of a wholesale business differs greatly from that of a manufacturer or warehouse manager, and therefore, we assess business requirements effectively. In our experience, we’ve found that the following businesses can benefit from a commercial insurance policy:


  • Manufacturers
  • Wholesalers
  • Offices and business administration
  • Warehousing
  • Sports, leisure and entertainment businesses
  • Constructions businesses
  • Technology businesses

Looking for a commercial combined insurance policy you can trust? Give The Insurance Octopus a call today on 0161 968 2060 for your bespoke quote, and to find out why we’re so trusted and revered within the industry.

‘’Jason was very helpful and went back a number of times to find the right quote for a good price. I have been with this company for 6 years and they reward you for staying with them. That’s a new one in today’s society. Thanks.’’ – Sarah Mimpriss

What Does Commercial Combined Insurance Cover?

Our specialist business knowledge and commitment to the insurance industry bolsters our position as a trusted, reliable and highly-reputable business insurance broker. Having built up and managed strong working relationships with a whole host of top-rated UK insurers, we can negotiate some of the best commercial insurance policies and prices on your behalfSo whether you require commercial combined business insurance for your manufacturing business, wholesaling business, entertainment business or business of some other kind, we can find the right insurance policy for you.

More than being business insurance experts, our insurance team are also approachable, supportive and professional. They take the time to understand your business and its requirements, and can navigate the complexities of your market. With The Insurance Octopus, you’ll receive a commercial combined insurance quote you can trust.

In a single policy, our commercial combined insurance could cover a variety of the following:

Public Liability Insurance

In your industry, you want your business to be the talk of the town, but only if the talk is good. How you handle public liability cases can emphasise your duty of care, and therefore, public liability is strongly recommended. We will cover you for all sums which you may become legally liable to pay for damages in relation to:

  • Accidental bodily injury to anyone other than an employee while on your business’s premises.
  • Accidental damage to property.
  • Costs of medical treatment and transportation costs incurred by the NHS should they claim this from your business.
  • Cases in relation to obstruction, trespass, nuisance or interference with air, light, water or way.
  • Unlawful detention, imprisonment or arrest in connection with your business, or your ownership of the business’s building. 

Our standard levels of cover are available from £1m to £5m, with additional levels of cover available upon request, subject to your policy’s terms and conditions.

Employers’ Liability Insurance

You may define your commercial business by your business’s practices and ethos, but it’s your employees that enact these functions, and make your business the success it is. Without valued team members, your products and services wouldn’t work, your customer service would leave a lot to be desired, and you wouldn’t feel in control. With your staff members having such a huge impact, it’s no wonder that there’s a legal insurance requirement for you to have at least £5 million cover to compensate your staff for any injury they may suffer while working for you – whether that be physical or mental

Employers’ Liability will pay damages and associated legal costs in respect of death, disease or illness caused to employees, so that they are taken care of, as are their families. 

Our commercial combined insurance employers’ liability comes with £10m as standard, ensuring your staff are and feel protected.

Product Liability

Regardless of whether you produce an extensive range of cleaning products, toys or makeup, manufacture one flagship product that’s kept you in business for over 30 years, or you’re thinking about diversifying your portfolio, your products are your responsibility, as is the health and safety of the customers who use them. If they use a product that causes them harm, then you could be held liable for any damages, such as:

  • Accidental, death, disease or illness caused by said product.
  • Damage to material property.

This could include compensation for expensive hospital fees and medical costs even if the case is very severe. Therefore, to help protect your business, we strongly recommend taking out a product liability insurance policy under commercial combined insurance.

Your products should be solving problems, not creating them.

Material Damage Insurance

Material damage insurance is available on a specific contingency basis with the option to include, ‘Accidental Damage’ for:

  • Buildings, including glass breakage
  • Plant, machinery, trade fixtures(and all other contents)
  • Other specified property
  • Stock in trade
  • Tenants’ improvements

Material damage extensions include professional fees, theft damage to buildings, damage to underground services and clearing of drains. Material damage insurance usual limits are for businesses with a turnover of less than £10 million, including business insurance. However, we can provide material damage quotes for businesses with a turnover above this.

Stock & Contents Cover

In the event of deterioration, putrefaction or contamination of stored goods as specified in your policy, our stock & contents insurance will cover you against:

  • The cost of replacing the stored goods.

In relation to your contents – which may include any related material damage, we can cover:

  • Your building, including glass breakage.
  • Plant, machinery and trade fixtures.
  • Other specified property.
  • Stock in trade.
  • Tenants’ improvements 

Should you require it, subsidence, ground heave and landslip is available as an option in most areas, and extensions such as clearing of drains, theft damage to buildings and damage to underground services can be included as standard (subject to certain limits) within your contents insurance.

Business Interruption Insurance

Nothing in life is guaranteed, so even if your health and safety practices are up to code, your product line is manufactured, processed and packaged efficiently and your delivery system is unbeatable, it doesn’t mean it’ll always be this way. All it takes is one flood, one fire or one act of vandalism to halt your business practices, and stop production for the foreseeable future. Fortunately, with business interruption insurance as part of your commercial insurance policy, you’re covered against:

  • Loss of gross profit or gross revenue and/or increase cost of working following damage to your business premises.
  • Loss of book debts following damage to accounting records at your business premises.

This is subject to your specific terms and conditions. Subject to certain limits, extensions can include: contract sites; denial of access; bomb scares; unspecified customers; unspecified suppliers.

Warehouse Insurance

Warehouse insurance policies can provide cover for your storage building, damage to stock which is being stored, as well as provide Goods in Transit cover (for more details on ‘Goods in Transit’, please see below). 

Similarly, ensuring your stock is covered before and during trading is important for businesses within the manufacturing and warehouse sectors, as the volumes and value of stock in storage products can fluctuate, particularly at seasonal periods, such as Christmas. As well as insuring stock, it is also important to consider the high value business contents of your storage warehouse, such as shelving, CCTV cameras, phone systems and office equipment. Your warehouse is just as important as your offices, so taking out warehouse insurance as part of your commercial combined business insurance policy is always a good idea.

Loss of Money

Whether you lose £1000, £10,000 or more, we know how disheartening it can be to lose hard-earned money and the stresses that come with trying to recuperate it. How will you pay your staff? How will you pay your suppliers? How will you keep your commercial business operating? These thoughts can leave you mentally strained, so to prevent the strain from happening in the first place, why not include loss of money cover in your commercial combined insurance policy? Loss of Money can cover you against money stolen:

  • While in transit and at contract sites.
  • From a bank night safe.
  • From your premises during business hours.
  • From your premises outside business hours, and while stored in a safe.
  • From your premises outside business hours, and while not stored in a safe.
  • While stored in private dwellings.

You do everything to earn that money, and we do everything we can to protect it.

Personal Accident Insurance

In business, customer care should always be a top priority, and the same goes for our clients too. Your safety and well-being is important to us – as it is to your family, friends and team members – and therefore, you should consider Personal Accident Insurance as part of your commercial combined package. Providing compensation on an agreed scale, for death or bodily injury, it also covers: loss of limbs or sight; permanent total disablement; temporary total disablement; temporary partial disablement.

Personal Accident insurance for business owners will pay your business a weekly sum of money if you are unable to work following an accident. This can help pay for temporary staff to cover you while you’re resting, or provide current employees with overtime to help meet demand.

Cover is restricted to death, loss of limbs, eyes and hearing, as well as permanent disablement and temporary disablement. This allows you to focus on getting better, and for business to continue as usual.

Legal Expenses Insurance

We all know how costly legal expenses can be, especially where lengthy court cases are involved, as well as compensation. At The Insurance Octopus, we can cover legal expenses up to £150,000 under our commercial insurance policy, in relation to any of the following:

  • Employment disputes, compensation awards and service occupancy.
  • Employee Civil Legal Defence.
  • Legal defence.
  • Property protection and bodily injury.
  • Tax protection (e.g. in relation to full or aspect enquiries; Cross Tax Enquiry; Employers compliance; VAT disputes).
  • Statutory licence protection.
  • Contract disputes.
  • Debt recovery.
  • Tenancy disputes.

Legal expenses don’t have to be expensive, and with our commercial combined insurance, may not cost you a penny.

Cyber Insurance

It’s easy to forget how much to rely on your computer systems and electronic equipment on a daily basis, and worrisome to consider how you’d manage without them. Think about it. What would you do if your computer system was hacked into, or a data breach meant your clients’ data was anyone’s for the taking? How would you compensate your customers, and restore their faith in your operations? Cyber security is not something to take lightly, and should always be protected at the highest level. Cyber Insurance, as part of your commercial insurance policy, can protect you by:

Dependent on your cyber insurance policy, we can also help with computer hardware damage costs, civil fines and penalties.

Goods in Transit Insurance

You may have control over your production and manufacturing processes, but you can’t always control what happens in transit. Even the most trusted drivers can have hold ups with deliveries, suffer an accident while on the road, or have to deal with theft. Goods in Transit insurance can protect your products from any damage, while:

  • In or on any vehicle operated by you.
  • In or on any vehicle operated by hauliers.
  • Travelling by parcel post.
  • Travelling by rail.

Depending on your policy, we may also pay you for damage to sheets, ropes, dunnage, securing chains, toggles and the like owned by you whilst in transit in or on any vehicle operated by you. 

Possible extensions for Goods in Transit insurance include debris removal, transfer costs, reloading costs and costs associated with substitute vehicles.

Engineering Breakdown

With equipment being the backbone of your business, we understand that you can’t function without it. Engineering breakdown cover from The Insurance Octopus can therefore provide cover for:

  • Computers, electronic equipment, refrigeration equipment, air conditioning, telecommunications, lifts, machinery, cash registers, boilers, and audio equipment.
  • Repair costs, replacement costs caused by breakdown.
  • Loss of profits caused by a breakdown.
  • Reinstatement of lost data. 
  • Temporary repairs or short term hire of equipment costs.
  • Computer breakdown.

With possible extensions including contamination from hazardous substances, costs for perishables and loss caused by an accident to storage tanks or water tanks, our Engineering Breakdown cover is comprehensive.

All Risks Insurance

All Risks protection covers insured property against insured damage and losses. There are a number of conditions for All Risks Insurance cover, which can include:

  • Having an intruder alarm.
  • Property in transit needs to be insured.
  • Security measures apply to transit by own vehicles.
  • Motor vehicles must be roadworthy and in a good state of repair.

As with all of our insurance policies, we’ll ensure you know what is and isn’t covered under our All Risks Insurance policy.

At The Insurance Octopus, our award-winning team can create personalised policies that meet your business’s insurance requirements, and cover your staff, equipment and inventory. To find out more about our range of policies and for your free no obligation quote, please contact us today on 0161 968 2060.

General Exclusions

In terms of our commercial combined insurance, there are several exclusions within each type of policy:

Exclusions To Business Interruption Include:

  • Loss resulting from deliberate erasure, loss, distortion or corruption of information on computer systems or other records, programmes or software.
  • Loss resulting from other erasure, loss, distortion or corruption of information on computer systems or other records, programmes or software.


Exclusions To Goods in Transit Include:

  • Damage caused by wear and tear, deterioration, contamination or vermin.
  • Losses due to spillage, leakage, evaporation, loss of weight or shrinkage.
  • Loss or damage by storm, theft or attempted theft to property in open-sided or similar type vehicles.


Exclusions To Public Liability Include:

  • Pollution or contamination unless from a sudden and identifiable unintended and unexpected incident.
  • Ownership or use of any craft, or vehicle licensed for road use.
  • Property belonging to you or under your control. 


Exclusions To Specified All Risks Include:

  • Corrosion, rust, wet or dry rot, dampness, dryness or vermin.
  • Theft, other than theft involving forcible and violent entry to or exit from the structures at the premises.
  • Joint leakage, failure of welds, overheating, cracking or collapse of boilers and other pressure vessels.

Other exclusions include damage by malicious persons to property in any structure incapable of being locked, and fraud or dishonesty of any partner, director or employee not discovered within 14 days. When it comes to choosing your policy, we’ll take exclusions into account when providing you with your quote, and ensure that you’re fully aware of what is and isn’t included.

Choosing The Right Commercial Combined Insurance For Your Business

We know that finding the right commercial insurance for your business can be an overwhelming process, which is why we make it our mission to simplify it. Taking the time to understand your business needs, we’ll guide you through suitable quotes and find you a policy that will offer the best level of protection.

For your commercial combined business insurance quote, please click here. This great call back form asks for your name, company’s name, telephone number and email address.

After you’ve completed the call back form, we’ll arrange a call with you to learn more about your requirements, and to discuss our range of policies in detail. We know you’re busy, so we’re flexible, and will call at a time to suit you.

When we’ve taken you through our range of options, and you’ve chosen the commercial insurance policy that’s right for your business, we’ll process all of the information you have given us, and cover will start immediately if required. You’ll receive your policy documents via email, and we can send you a physical copy too.

When it comes time to renew your policy, we’ll contact you again via email and letter 1 month before your policy is set to end. If you would like to change or update your policy, please let us know and we’ll organise this for you before the renewal period begins.

‘’The representative that I spoke to was extremely professional, friendly and well informed.  Everything was explained, followed up with emails of what had been discussed/agreed and telephone calls to check if everything was correct. 

When I had to make a couple of alterations they were dealt with without any complaint or fuss and at no further cost. Great service.’’ – Margaret Taylor

How To Make A Claim

Should you ever need to make a claim, we know that you need an insurance broker who can help with any questions you may have, and who can resolve any issues that arise. The claims process is never one anyone wants to have to go through, but we make it plain sailing from start to finish. Whether you’re claiming for business interruption, damaged products, or public liability, we’ll help you through the claims process, and beyond it.

 If you ever need to claim on your commercial combined insurance, please follow this process:

Report the insured event to your insurer using the claims number provided, taking note of key dates, times, important facts and information on what has happened. If something serious has happened, such as theft or malicious damage, please contact the police immediately.

Then, check your commercial combined insurance policy and ensure that you’re covered for what has happened.

When going through the event with your insurer, it’s important that you have your policy document, receipts for anything stolen or damaged and any information that you feel will help explain your case to hand.

Should your claim be unsuccessful, or if you run into any problems, please don’t hesitate to get in touch with us on 0161 968 2030 to discuss the matter further. We’ll try our best to resolve any issues, though please note that we can’t make any promises about decisions made.

Your insurer will then process the claim, and you’ll receive your compensation within a couple of days of your claim being settled.

The Benefits Of Commercial Combined Insurance

Commercial combined insurance from The Insurance Octopus provides a great level of insurance cover. Protecting your business from risks such as public liability, product liability and loss of money, commercial insurance can also cover you against business interruption, material damage, engineering breakdown and damage to stocks and contents. Especially where stock and products are fundamental to your business and its operations, commercial combined insurance ensures that the effect of any damage, theft or losses are minimal and you can resume functionality as soon as possible. Having the right commercial insurance in place protects you, your employees and your company from expensive cases, and reduces reputational damage too. Choosing an insurance policy from The Insurance Octopus also provides you with access to a leading panel of insurers that will help you to find and select the right level of protection for your business, and ensure you only pay for the commercial insurance cover you need.

 The Insurance Octopus can help everyone from manufacturers, wholesalers, engineers and those in the entertainment industry through to technology businesses and warehouse managers with their insurance needs, and are committed to providing a solution that covers them all completely.

Why Choose The Octopus Insurance

We have been the honoured recipients of the Feefo Gold trusted service 6 consecutive years in a row, emphasising our commitment to our clients, our team and the insurance industry as a whole.

Our bespoke commercial insurance policies are designed for ease of additions, removals, increases or decreases. We can create a commercial combined insurance policy that only includes the cover you need, without the costs you don’t.

Because we’re an independent commercial insurance broker, we’re not just limited to just one direct insurer or underwriter. We have a panel of over 25 UK insurance partners that we work closely with, allowing us to provide our clients with competitive commercial insurance quotes.

We offer flexible payment methods, and there are never any mid term adjustment fees or hidden fees within your policy. We’re transparent in our approach, and honest with you from the start. We ensure you know exactly what you are paying for, and how much you’re paying for your commercial insurance.

If you ever need to make a claim, we’re by your side every step of the way. We make the claims process as simple as possible, so that any cyber attack, theft or injury is dealt with appropriately, and with the correct resolve.

We’re in the business of keeping your business safe. Choose The Insurance Octopus for an insurance broker you can trust, and one that will always put your needs first. To get your free no-obligation commercial insurance quote, please contact us today.

‘’Was pleased with the knowledge the consultant had about my type of business. I was listened to during the quote process and the offer meant that I was able to save money on insurance this year’’ – Jacqueline Mitchell

Business Booming? How To Strategise For The Future

There’s no greater feeling in business than taking your industry by storm and providing your clients and customers with products and services that they just can’t get enough of. However, if you’re not properly prepared for the big changes coming your way, things can spiral out of control and make success a distant memory. To help our clients, we provide some guidance on how to strategise for the future, and ensure the challenges of rapid growth are handled appropriately.


Understanding The Causes Of Business Growth

If you’re experiencing rapid growth, clearly you’re doing something right. Pinpoint exactly what this is and what sets you apart from your competitors. Keep this aspect prominent within your business model, ensuring you don’t lose sight of your core values during this exciting time. This means analysing sales, assets, overheads, inventory and receivables. Once you have a clear idea of exactly where you stand financially, plan out how you estimate the growth to impact those factors to determine how you will need to refinance. This ensures you invest in the correct parts of your business.


Keep Customers At The Forefront

Always ensure that you’re listening to your customers and finding ways to meet their needs. If you’re operating in an industry that may require a high level of customer service, then it’s up to you to provide that support – even if that means simply having a dedicated support team. Similarly, being active on social media and responding positively to client feedback will show care and encourage customer loyalty. If you really want to know what your customers think about your business, then feedback forms can not only identify areas that are working well and those that could do with improvement, but also provide a chance for clients to share new ideas. These may form the basis for new business strategies and take your business to new heights.


Be Open To Adapting

Being able to adapt to changing trends and ideas is a common trait among the very best business owners. The ability to adjust your business and test various strategies is one of the strongest ways to approach the growth stage. 


During this time, it is all about being an effective leader that inspires your team, motivates customers and scares competitors. You will undoubtedly be faced with challenging decisions that require adaptability. If you are not able to welcome potential change when making a crucial business decision, it could be your business’s downfall.


Finding A Helpful Mentor

You may be a fantastic leader, but as they say, two heads are better than one, and you don’t have to navigate the challenges of rapid growth alone. Seeking guidance and advice from an experienced entrepreneur can help you immensely. Chances are, they’ve run into a lot of the same situations you have and know the early signals of potential problems, and how to deal with them effectively.


Similarly, don’t be afraid to hire people smarter than you or who have more knowledge within certain areas of the business. They’ll bring a lot to the table and provide innovative ideas that may even surprise you.

And most importantly, taking out commercial combined insurance with The Insurance Octopus will ensure that should the worst happen, you’ll have a team of insurance experts behind you 100%.


Get the answers you're looking for

In a single policy, what cover could be included?

In a single commercial combined insurance policy, you could have: Public Liability; Employer’s Liability; Product Liability; Stock & Contents Cover; Business Interruption Insurance; Warehouse Insurance; Loss of Money; Material Damage Insurance; Goods in Transit; Cyber Insurance; Legal Expenses; Personal Accident Insurance; Engineering Breakdown; All Risks.

What types of businesses are protected under your commercial combined insurance?

We cover a range of companies here at The Insurance Octopus, providing commercial insurance for wholesalers, manufacturers, engineers, entertainment businesses, technology businesses and warehouses, among others. 

Should your business be of another type, please contact us on 0161 968 2060 today and we’ll answer any questions you have about our policies, and provide you with a range of relevant quotes.

Why do I need commercial combined insurance?

From stock damage, material damage, product theft and business interruption through to personal accidents, public liability, product liability and employer’s liability, there are many factors that you, as a business owner, should consider when it comes to securing the future of your business. Ensuring you’re covered against malicious damage and theft is of the utmost importance, as is protecting your team members and customers. You may be a business mogul, but no mogul can deal with the unexpected without an insurance policy that protects them and their company. With commercial combined insurance from The Insurance Octopus, you can keep operations running efficiently.

How do I make a claim?

We know that making an insurance claim needs to be as simple as possible, and therefore, we make it so. We strongly recommend reporting the incident to your insurer first using the helpline and claims number provided in your policy document, and following their instructions. Should you require any further assistance, please don’t hesitate to contact us, and we’ll do everything we can to help. Your insurer will then process the claim as quickly as possible, and you’ll receive the compensation in due time.

What should I do if my circumstances change during the period of insurance?

Should you need to cover additional stock, new equipment or another circumstance changes that doesn’t currently feature on your policy, then please contact us as soon as possible so that we can check this with your insurers. Omitting key facts could mean the difference between receiving compensation in the event of a claim and not, so ensure that you update us whenever you make changes to your business. If you’re ever unsure, speaking to a member of our customer services team can help, and you can reach them on 0161 968 2030.

What are Octopus Rewards?

Octopus Rewards provides discounts and savings to all our clients, helping them to save money in various ways, such as: 

You will also receive a policy badge from The Insurance Octopus, which you can place in your establishment to show your customers, staff and members of the public that you’re insured, and that you care about their safety.