Commercial Combined Insurance

There’s no such thing as a ‘one size fits all’ commercial combined insurance policy. Our policies cater for all businesses, no matter how unique they are.

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Why choose Howden for Commercial Combined Insurance?

Howden is the new name for A-Plan. Here at Howden, we pride ourselves on doing the heavy lifting, so you don’t have to. Thanks to the great relationships we have with our selected panel of standard and specialist business insurers, we make the process of comparing multiple commercial combined insurance policies, on your behalf, simple and easy. What’s not to like?

As a broker which specialises in business insurance, we recognise that each policy needs to be as individual as its owner, and that’s why we provide a tailored, personalised service, focused on getting to know you and finding out exactly what you want from your insurance cover.

Ultimately, whether you need to make a claim, purchase a new business policy, or renew an existing one, just know that we’re here to help.

Benefits of working with Howden:

You can trust us – we’re rated Excellent on Trustpilot.
We’re driven to save you time, money, and hassle.
Benefit from a tailored service that comparison sites can’t provide.
Speak with your local branch, within your community.
We’re right by your side in the event of a claim.

What is Commercial Combined Insurance?

Commercial combined insurance is a comprehensive type of insurance coverage which combines multiple insurance policies into a single package to provide businesses with broad protection against various risks they face.

When working with us, we ensure the level of insurance protection you choose is comprehensive, yet cost-efficient. Covering your assets, consequential losses, legal liability and infrastructure, the business combined policy will provide the core insurance protection you need.

More information about Commercial Combined Insurance

What does commercial combined insurance cover?

The range of cover a commercial combined insurance policy could potentially provide you and your business with is considerable.

There’re many aspects of cover you can incorporate into your policy, including:

Asset protection
Material damage
Business interruption
Public liability
Products liability
Employers’ liability
Contents
Fixtures & fittings
Money
Goods in transit
Legal expenses
Computers
Infrastructure
Personal accident

However, it’s important to remember that every insurer is different, and their commercial combined insurance policies will be subject to their terms and conditions.

But that’s where we can help. As a specialist broker, our team works with some of the best insurers to ensure the protection you buy can be relied upon. We can help you decide which policy to go for once we’ve fully understood your exact insurance requirements.

Who needs Commercial Combined Insurance?

It’s predominantly businesses that need commercial combined insurance most, as they look to safeguard themselves from the multiple potential hazards that come with their operation.

After all, these policies are ideal for organisations, because the coverage is versatile and can be customised to suit specific requirements whilst also offering protection for a wide range of assets, including inventory, materials, facilities, and vehicles.

What are the risks of not having commercial combined business insurance?

Ultimately, commercial combined insurance stands out as the ideal solution for any business looking to safeguard itself against a wide array of risks. So much so, that lacking adequate insurance coverage when things go wrong could potentially lead to the closure of your business. Otherwise, the absence of comprehensive commercial combined insurance could just generally make your business susceptible to future losses, and while some companies may find sufficient protection with just employer's liability and public liability insurance, others may require additional coverage to prevent any kind of vulnerability.

These are however, worst case scenarios, but if you’re feeling uneasy and would like to learn more about commercial combined insurance, it’s worth talking to a specialist insurance broker such as ourselves. We can help you find the right insurance policies to cover all eventualities, leaving no stone unturned when it comes to protecting your business.

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