With a Commercial Combined Insurance plan, you’re given an immense amount of flexibility that enables you to ensure you’ve got a plan that’s right for your business in every respect, rather than a one-size-fits-all plan that doesn’t quite fulfil your needs. A Commercial Combined Insurance package helps you to simplify the entire insurance process too; you’ll get comprehensive features included in your package and detailed coverage that protects you in times of trouble all in one simple policy that can be customised to meet your needs. For many businesses, this ability to protect against multiple dangers at once is a huge benefit.
Here at The Insurance Octopus, we’re always looking to give our clients the best experience possible – the insurance process is often tedious and time-consuming, but it doesn’t have to be, which is why we’re always striving to help you to find the perfect protection plan without wasting your precious time. Fill out our form or request a call back from a member of our team to start your search for the ideal insurance plan for your business today!
What’s included in a Combined Commercial Insurance package?
Stock & Contents Cover
Your inventory is often the lifeblood of your business. Without stock to sell, it’s impossible for your business to turn a profit. Protect your stock and contents from theft or damage with Commercial Combined Insurance.
Business Interruption Insurance
Disasters can be hard to foresee, but when they strike you can often find that your business can suffer a great deal if you aren’t protected against any losses caused due to an inability to operate. Business Interruption insurance keeps your business finances covered should you ever have a force interruption in your trade.
Public Liability Insurance
As a business owner, you are responsible for everything that happens on your premises, even the actions of your customers. Should anything happen to a customer as a result of your business, premises, or employees, it’s vital that you have comprehensive insurance policies in place to prevent having to pay excessive damages.
Employers Liability Insurance
Employees are a major responsibility for every business; if they fall ill or are injured in the line of work, you may be forced to pay out considerable amounts in compensation unless you are covered by Employers Liability Insurance.
They say experience comes with age, but the age of your business has no bearing on your future. Unexpected events and unforeseen circumstances can impact your operations, no matter how well you prepare 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 through 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 sourced 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 Employers 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.
We pride ourselves on being able to source 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
Construction 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.’’
It’s this feedback that helps us keep on improving our services and options, so drop us a line and tell us what you think.
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.
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 behalf. So 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 specialists, 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. Through 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:
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 source cover for you for all sums which you may become legally liable to pay for damages in relation to:
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.
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:
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 is available on a specific contingency basis with the option to include, ‘Accidental Damage’ for:
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 find material damage quotes for businesses with a turnover above this.
In the event of deterioration, putrefaction or contamination of stored goods as specified in your policy, Stock & Contents insurance will cover you against:
In relation to your contents – which may include any related material damage, we can cover:
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.
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:
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 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.
Whether you lose £1,000, £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:
You do everything to earn that money, and we do everything we can to help you protect it.
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.
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 source cover for legal expenses up to £150,000 under our commercial insurance policy, in relation to any of the following:
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:
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:
Depending on your policy, you may also receive payment 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.
With equipment being the backbone of your business, we understand that you can’t function without it. Engineering Breakdown cover through The Insurance Octopus can therefore provide cover for:
With possible extensions including contamination from hazardous substances, costs for perishables and loss caused by an accident to storage tanks or water tanks, Engineering Breakdown cover is comprehensive.
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:
As with all of insurance policies we research, we’ll ensure you know what is and isn’t covered under our All Risks Insurance policy.
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:
Commercial combined insurance through 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 through 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.
We’re in the business of keeping your business safe. The Insurance Octopus is 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.
At The Insurance Octopus, our award-winning team can source and create personalised policies that meet your business’s insurance requirements, and cover your staff, equipment and inventory. To find out more and for your free no obligation quote, please contact us today on 0161 968 2060.
In terms of our Commercial Combined insurance, there are several exclusions within each type of policy:
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.
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.
Finding a Commercial Combined insurance policy can be as easy as the steps outlined above. Whether you’re a manufacturer, wholesaler, engineer or business owner looking for commercial insurance, then look no further than The Insurance Octopus, and contact us today for your free no-obligation quote.
For your Commercial Combined business insurance quote, please click here.
After you’ve completed the call back form, we’ll arrange a call with you to learn more about your requirements, and to discuss a 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 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.
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.
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.
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.
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.
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.
Cyber threats are heard about more and more in the news with many attacks affecting larger businesses. However...
Cyber insurance claims are becoming more and more common with each passing year. As business grows more depend...
Cyber insurance, which covers your business against the effects of a serious cyber incident, is not an “off ...
Inadequate cover presents a great risk to businesses – help ensure your cover is more than adequate by u...
