Commercial Combined Insurance

All-in-one protection for your business, your people, and your property.

Running a business comes with a wide range of risks, from property damage and theft to liability claims, equipment breakdown, and business interruption. Managing multiple insurance policies to cover them all can be complicated and time-consuming.

That’s where Commercial Combined Insurance comes in.

At The Yorkshire Broker, we arrange tailored commercial combined policies that bring together the essential covers your business needs under one easy-to-manage policy, saving you time, reducing admin, and ensuring nothing is missed.

What is Commercial Combined Insurance?

A Commercial Combined Policy is a flexible insurance package designed for businesses that face multiple types of risk. Instead of taking out several separate policies, it combines key protections, such as property, liability, and business interruption, into one comprehensive policy.

It’s ideal for:

Manufacturers and engineering firms
Wholesalers and distributors
Warehousing and logistics businesses
Workshops, garages, and trade premises
Service and contracting companies

Whether you run a single site or multiple locations, a commercial combined policy can be tailored to fit your operations.

What Does Commercial Combined Insurance Cover?

Your cover can be as straightforward or as detailed as your business requires. A typical policy might include:

Property Damage

Protect your physical assets against unexpected loss or damage, from fire and flood to theft and vandalism. A Commercial Combined policy allows you to cover both your buildings and contents, plant, and machinery, ensuring your business can recover quickly if the worst happens.

Buildings Insurance

Covers the structure of your premises, including fixtures, fittings, walls, roofs, and permanent installations such as lighting, heating, and security systems. Protection typically includes:

Fire, explosion, lightning, or earthquake
Storm, flood, or escape of water (including burst pipes and roof leaks)
Impact damage from vehicles, falling trees, or machinery
Theft or attempted theft, including damage caused during a break-in
Accidental damage to the building fabric, glazing, or signage
Vandalism or malicious damage
Subsidence, heave, or landslip affecting the structure or foundations
Professional fees and debris removal following an insured event

Contents, Plant & Machinery Insurance

Covers the valuable equipment, tools, and materials your business depends on day to day. This includes office equipment, production machinery, stock, and goods held in trust. Protection can include:

Loss or damage caused by fire, flood, theft, or accidental damage
Cover for machinery and production equipment at your premises
Cover for computers & electronic equipment
Contents within offices, workshops, and storage areas
Portable tools and equipment used on or away from site (if specified)
Damage to tenants’ improvements or fixtures you’ve installed
Deterioration of refrigerated stock (optional extension)

Together, these covers help ensure your property, assets, and equipment are protected against major disruption, keeping your business running smoothly, even after an unexpected event.

Stock & Goods

Covers raw materials, finished products, and goods held in trust or for customers. Options include deterioration of refrigerated stock and goods held in transit.

Business Interruption

Covers loss of income and additional expenses if your business cannot trade following insured damage. Ensures you can continue to pay staff, suppliers, and bills while you recover.

Machinery & Equipment Breakdown

Covers sudden and unforeseen mechanical or electrical failure of essential plant, production machinery, or computer systems.

Employers’ Liability

A legal requirement if you employ staff. Protects you against claims for injury or illness made by employees, contractors, or volunteers.

Public & Products Liability

Protects you against claims made by customers, visitors, or the public for injury or property damage caused by your business activities or products.

Money & Assault Cover

Covers cash held on your premises, in transit, or in safes, and includes personal assault benefits for employees.

Goods in Transit

Protection for goods while being transported in your own vehicles or by a third party within the UK.

Engineering Inspection & Breakdown (Optional)

Covers statutory inspections of lifting, pressure, and electrical equipment, and provides financial protection in the event of breakdown or failure. For more information on Engineering Inspection, click here (cross link for the Engineering inspection page)

Legal Expenses (Optional)

Covers the cost of legal advice or representation for employment disputes, contract disagreements, tax investigations, and property issues.

Optional & Specialist Extensions

Depending on your business activities, you can add:

Directors’ & Officers’ Liability

protects directors and officers against claims for mismanagement or breach of duty.

Cyber Insurance

covers financial losses and data breach response costs following a cyber-attack.

Fidelity Guarantee

protection against theft or fraud by employees.

All Risks Cover

for portable equipment, laptops, and tools used away from the premises.

Professional Indemnity

covers errors or omissions in advice or design work.

Why Choose a Commercial Combined Policy?

A Commercial Combined Insurance policy simplifies your protection while offering flexibility and value.

Benefits include:

One policy, one renewal date – simpler admin and easier management.
Tailored to your business – choose only the covers you need.
Cost-effective – often cheaper than buying separate policies.
Reduced risk of gaps – ensures all aspects of your business are properly covered.
Consistent terms and claims handling – smoother process when you need support.

Why Choose The Yorkshire Broker?

Independent advice with access to a wide range of leading insurers
Tailored cover built around your specific operations and risk profile
Support from a knowledgeable local team that takes the time to understand your business
Fast, friendly service with dedicated claims assistance
A trusted partner for manufacturers, trades, and commercial clients across Yorkshire and beyond

At The Yorkshire Broker, we don’t believe in one-size-fits-all insurance. We’ll help you design a policy that protects what matters most — allowing you to focus on running and growing your business with confidence.

Get a Quote for Commercial Combined Insurance

Protect your business with a single, comprehensive policy built around you.

Call The Yorkshire Broker today on 01924 929070 to discuss your Commercial Combined Insurance and receive a tailored quote.