Commercial Combined Insurance
Combined Cover for SMEs That Need to Stay Up and Running
Commercial Combined Insurance brings your main business covers together under one policy, protecting the assets, equipment and day-to-day operations your business depends on.
Many SMEs, such as manufacturers, wholesalers, workshops, trades with premises, warehouses and retailers, deal with several risks at the same time. Damage to buildings, loss of stock, equipment breakdown or a liability claim can all interrupt trading and create costs you didn’t expect.
A combined policy lets you choose the sections you need, such as property, stock, machinery, liability and business interruption. Keeping everything in one place makes the cover easier to manage and helps avoid gaps that can happen with separate policies.
It suits businesses that handle goods, operate from a fixed premises or rely on equipment to keep work moving. If something unexpected happens, this cover helps you recover quickly and maintain stability.
All Icon Risks policies are arranged with FCA-authorised insurers, giving you reassurance that your cover meets regulatory standards.
Why Choose This Cover?
A single issue on site, such as damage to your premises, lost stock, equipment problems or a liability claim, can interrupt trading and create unexpected costs. Commercial Combined Insurance allows you to manage these situations by keeping your critical protections in one place. It reduces financial strain after an insured event and supports everyday continuity, especially for SMEs that rely on smooth operations to meet deadlines and customer commitments.
Choosing a Limit
The right level of cover depends on your assets, turnover, working processes and exposure to liability. A business with significant stock, specialist machinery or high footfall may require higher limits. But if you’re a smaller business, you’ll likely need something simpler. Our experts can help you review the value of your property, equipment and annual revenue so your limits reflect the real cost of repairing damage, replacing assets or restoring business after an incident.
What’s Included in Our Tradesman Cover
A Commercial Combined policy can bring several protections into one contract. Depending on your needs, this can include:
Property Damage
Cover for buildings, fixtures, machinery, stock and contents if damaged by events such as fire, flood, storm, theft or accidental damage.
Business Interruption
Financial support if your premises or equipment cannot be used after an insured event, helping you cover lost income and business expenses while you return to normal trading.
Public Liability
Protection if a third party is injured or their property is damaged because of your business activities.
Employers’ Liability
Safeguard employees if injuries or illnesses arise from their work. This is actually a legal requirement for most businesses that employ staff.
Product Liability
Protection if a product you manufacture, repair or distribute causes injury or damage.
Equipment and Machinery Cover
Protection for essential tools, plant and machinery, including breakdown and accidental damage depending on the policy.
Goods in Transit
Cover for stock and materials while being moved between sites or delivered to customers.
Commercial All Risks Options
Additional protection for items used away from your main premises, such as portable equipment.
Please keep in mind that Commercial Combined policies won’t cover everyday wear and tear, deliberate/dishonest acts or damage that existed before the policy started. Losses must be linked to an insured event and claims may be declined if property values are understated or if unsafe or unapproved working practices were involved.
Why Icon Risk
✓ Advice specifically tailored to businesses with multiple operational risks
✓ Brokers who understand manufacturing, wholesale, retail and trade environments
✓ Clear explanations of each section of cover and how they work together
✓ Policies placed with FCA-authorised insurers
✓ Options suitable for single-site and multi-site SMEs
✓ Expert support adjusting your sections of cover as your business changes
✓ Claims handled with exceptional customer service
FAQ’s
Who is Commercial Combined Insurance for?
It’s suited to SMEs with premises, stock or equipment, such as manufacturers, wholesalers, workshops, warehouses, trades with a base, retailers and businesses that need several covers under one policy.
Is this the same as a standard business policy?
No. A combined policy allows you to bring different types of cover together, reducing gaps and making administration easier.
Do I need all sections of cover?
Not necessarily. The policy is modular, so you only include what is relevant to your business.
Does this include business interruption?
Yes, if you choose to add it. Many SMEs include it to protect income during repairs or downtime.
Can the policy cover multiple locations?
Yes. Many combined policies can cover multiple sites under a single arrangement.