With Commercial Combined insurance, you can rest assured that as a business, if you need to insure against it it’s likely that this insurance will be the answer for you. Below we’ll look at some of the core products the commercial combined insurance policy can include to help your business:
Public liability – if you’re a shop or a factory, chances are public liability will be a useful policy for you. Public liability helps to cover legal costs from claims bought against you by members of the public. So if your business causes a member of the public to become ill or injured then your insurance will be there for you.
Employers liability – a legal requirement if you have any employees, whether full-time, part-time or temporary, employers liability is there to protect you from claims against you from your employees. If you’re sued due to an unsafe working condition meaning an employee becomes injured or ill, employees liability has your back.
Products liability – if you’re a distributor or manufacturer this policy is essential as it protects from the damage or illness caused by your products. If you’re producing a wide range of products at high-volume, this policy could be the difference between staying in business or closing up shop.
Stock cover – vital to distributors, warehouses and shops, stock cover very much does what it says on the tin. If you’re burgled or your stock is damaged then stock cover will be there to ensure you’re not left out of pocket.
Money – not protected by stock cover, if you’re burgled and the cash from your till is stolen you won’t be covered. Therefore you need money protection to protect your physical cash in the store. On busy days this could be substantial so is well worth considering.
Business interruption – if for some reason you’re forced to close the business, be that a flood in your factory or a fire in your shop, business interruption cover is there when you need it most. This handy piece of protection will ensure you don’t miss out on your income whilst you are forced to close, meaning you can rest easy.
It can save you a multitude of time throughout the year. With one policy under commercial combined, you only have to worry about one renewal date, not five or six. You’re also benefitted by added flexibility, if you want to amend a certain part of your policy you’ve only got to call us, allowing you to focus on running your business.