Commercial Combined Insurance

Commercial Combined Insurance

What is Commercial Combined Insurance?

Commercial combined insurance is exactly as it sounds – a comprehensive insurance programme which incorporates a variety commercial insurance covers in one policy.

This convenient insurance approach makes managing your insurance a streamlined process. One single renewal date means that you won’t miss essential cover renewals, which could leave your business open to risk. A combined commercial policy brings security and complete peace of mind.

A typical commercial combined policy can cover the following sections:

  • Building
  • Contents
  • Liabilities (Employers’, Public and Product)
  • Legal Expenses
  • Business Interruption
  • Book Debts cover
  • Money cover
  • Goods in transit
  • Machinery breakdown cover
  • Computer breakdown cover

Depending on your requirements, additional covers can be added too, such as abuse cover if you operate a care home, or safety critical parts cover if you run a manufacturing organisation.

Our experienced advisers will work closely with you to establish the potential risks faced by your business and tailor an insurance programme to mitigate those identified. You can be confident that the insurance we present will be completely appropriate for your needs.

Our partnerships with established A rated insurers, allows us to find the right cover for you, from a host of market-leading products. And don’t forget that we may be able to arrange competitive finance to spread the cost on a monthly basis through our partnership with Close Brothers Premium Finance. Please get in touch for details.

Find answers to your Frequently Asked Questions below.

Get in touch

Arrange your Commercial Combined insurance today

Get in touch

call us on 01480 272727
or complete our

Enquiry Form

Frequently Asked Questions

Why do I need Commercial Combined insurance?

As a business owner or manager, you have a duty of care to your employees, suppliers and the public to have insurance in place. Some insurances will be required by law and others will be best practice, or needed to protect your assets, business entity or your employees.

A commercial combined policy will provide complete peace of mind. By combining all your insurance requirements into a single policy, you can be confident that your business is fully protected from all potential identified risks.

Combining all your policies into a single package can be a cost-effective solution.

Our extensive experience in commercial insurance means we are well placed to provide expert advice on a commercial combined package for your business. Your dedicated account executive will take the time to explore the potential risks faced by your business, so the comprehensive policy we present will be completely appropriate for your needs.

Ask us about Commercial Combined insurance today – call us on 01480 272727 or drop us an email at

Who should have Commercial Combined insurance?

Commercial combined insurance is suitable for any business. Due to its flexibility a commercial combined product can be tailored to your unique requirements.

Anyone looking to simplify their insurance policy programme and put everything into a simple and hassle-free policy, should consider commercial combined insurance.

What are the benefits of Commercial Combined insurance?

  • Peace of mind for you and your staff
  • Provides reassurance for your patients/clients
  • All-encompassing protection against potential business risks
  • Potential reduction in premiums
  • Single renewal date

How much Combined Commercial Insurance cover do I need?

The insurance package created will depend on the nature and size of your business. Each element of insurance required will need to be explored to assess the potential risks you face.

We work closely with our clients to fully understand their exposure to business risk. This allows us to tailor our advice so the commercial combined cover we present will be just what you need. Having the appropriate level of cover in place will provide you with freedom from worry, so you can get on with what you do best – running your business.

How can I buy Commercial Combined insurance?

You can arrange commercial combined insurance with ease, by speaking to one of our experienced advisers.

We are proud to be an independent commercial insurance broker – we are completely impartial, which means the cover we suggest will be just what you need for now and the future.

And because we only partner with A rated insurers, you can be assured of a market-leading policy from a trusted provider.

If you require additional specialist insurance for your business, we can explore options on your behalf. You can call us for expert advice on 01480 272727 or send an email to us at

Outstanding service you could not improve on

“After being badly let down at the last minute by a large agent I found an advert for Barnes and asked if they could help as I only had a few days before my insurance ran out. Matthew took the time to help me find the right cover for our care home. His advice allowed me to consider risk exposure that I hadn’t previously considered – I am very grateful he brought these potential issues to our attention. I’m completely reassured that we have adequate protection in place now.”


Trevor Dunn – Director

Kendal Homes Ltd

Getting the right advice

“Matthew took the time to help us find the right cover for our business. His advice allowed us to amalgamate our employer policies that will ensure we have full protection in place for our business needs. I highly recommend Matthew and his TEAM.”


Therese Keely – Managing Director

TEDS Management Ltd

Helpful, friendly, professional and prompt

“Matthew was exceptionally helpful, friendly, professional and prompt, he took the time to help us find the right cover for our practice. His advice allowed us to consider risk exposure that we hadn’t previously considered – we were grateful he brought these potential issues to our attention. We’re completely reassured that we have adequate protection in place now. With little notice, from point of contact to putting our new policy in place, whilst offering advice, competitive quotes of A rated insurance companies and policies – our new policy was in place within 24 hours. I  would highly recommend Matthew and the Team at Barnes Commercial Insurance Broker.”


Nikki Hammerton – Business Manager

Danica Aesthetics

Get in touch

To speak to an expert adviser, call 01480 272727 or complete our enquiry form below

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