Commercial combined insurance

  • Trusted products for a diverse range of bigger businesses
  • Speak to an insurance expert who’ll help you get the right cover
  • Our dedicated team and tailored products make it easy to switch
Staff member in a warehouse checking shelves

What is commercial combined insurance?

Our comprehensive and reliable cover is designed to protect the business you’ve worked hard to create. Build a policy suited to your needs, from public liability cover to business interruption insurance.

Our expert team understands businesses like yours and can help you get the right type and level of business insurance. They do this by taking the time to find out how your business works and by asking the right questions. This tailored service can give you the reassurance that your business is covered should the worst happen.

  • We work with a selection of trusted insurers to find a competitive quote, giving you choice and flexibility
  • Cover tailored to your business’s needs so it’s protected when things go wrong
  • More than 900,000 customers have chosen Simply Business – we’re rated 4.7/5 on Feefo and received the Platinum Trusted Service Award in 2022

What does commercial combined insurance cover?

Our customer-focused team has built up knowledge about the insurance needs of bigger businesses. This has helped us to develop commercial combined insurance products you can tailor to suit your business. Whether you want to cover yourself for accidents on site, legal disputes with clients, or the tools you need to run your business, you pick what goes into your policy.

Why switch to Simply Business?

Our team is supportive and wants your business to succeed. We insure more than 1,000 trades, from builders and groundworkers to manufacturers and wholesalers (and many more).

Insurance helps give you peace of mind that your business is protected when the unexpected happens. Switching to us is easy, our insurance experts can help you to protect your business and your people. Give us a call today to start your quote.

The Kada Coatings team

How it works

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Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm

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0333 043 8527


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Find answers to common insurance questions

How do insurance claims work for commercial businesses?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£51 million in claims paid out in 2023

Commercial combined insurance FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for off licences. You can also check out our business insurance FAQs.

Commercial combined insurance is slightly different from standard business insurance. Commercial combined includes standard business insurance covers, like public liability, while offering additional cover that meets the specific needs of wholesalers and manufacturers with larger or slightly more complex risks.

If an engineering business has a commercial combined policy, it could include standard covers such as public liability and employer’s liability. But also include optional covers like contents, tools, and own plant insurance that protect a bigger business from the specific risks they face.

As a commercial combined policy has optional covers like contents, stock, buildings, and contract works insurance – a commercial combined policy can cover damaged caused by fire.

You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

  • one-off credit or debit card payment
  • BACS payment
  • Direct Debit

If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.

This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

If you employ people, you’re required by law to have employers’ liability insurance.

There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

Helpful articles for commercial combined businesses

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