Commercial Combined Insurance
Commercial combined insurance offers a flexible, all-in-one solution for businesses by bringing together a range of essential covers under a single policy.
COMMERCIAL COMBINED INSURANCE
Commercial combined insurance offers a flexible, all-in-one solution for businesses by bringing together a range of essential covers under a single policy. Intended to meet the specific needs of your business, this comprehensive cover enables you to protect against multiple risks without the complexity of managing separate insurance products.
This type of policy can be tailored to meet the unique risks and requirements of your specific industry and business size. Whether you need cover for property damage, business interruption, public and employers’ liability, goods in transit or stock and contents, commercial combined insurance allows you to build a bespoke package that reflects your business’s exact requirements.
Designed with business needs in mind, this policy suits companies that operate from commercial premises, employ staff, use specialised equipment or carry stock. Examples of businesses that would benefit from this cover include but are not restricted to:-
- Manufacturers
- Wholesalers and Distributors
- Construction companies
- Warehouses
- Engineering companies
- Importers and exporters
- Retailers
- Small and Medium Enterprises – SME’s (standard package policies work well for some SMEs, but if your business has unique risks or more complex needs, commercial combined insurance offers more flexible and comprehensive cover)
At IPS, we understand that no two businesses are the same. We provide expert advice and a personalised service that puts your needs first.
Key Features of Commercial Combined Insurance (subject to quotation/terms & conditions):-
Property Damage
Provides comprehensive cover for your buildings, contents, machinery and stock against fire, flood, theft, vandalism and other risks.
Business Interruption
Safeguards your income by covering lost revenue and ongoing expenses in the event your business is unable to operate due a covered event.
Employers’ Liability
A legal requirement for employers, this cover protects against claims made by employees for injuries or illnesses sustained in the course of their employment.
Public & Products Liability
Covers legal expenses and compensation arising from third-party injury or property damage caused by your business operations. Additionally, offers protection against claims related to products you manufacture, supply or sell that cause injury or damage.
Goods in Transit
Covers loss or damage to goods during transportation, whether in your own vehicles or those of a third party.
Tools and Equipment
Insures essential tools and specialised equipment used in your business against theft, loss or damage.
Legal Expenses Insurance
Covers legal costs from employment disputes, contract issues or compensation claims.