Commercial Combined Insurance

Combining Cover for Commercial Operations

Commercial Combined Insurance policies can be shaped to cover your business’s needs. It is a very useful product type as it can provide protection to various industries and business sectors. Commercial Combined policies include, under one policy wording, multiple sections of insurance cover to safeguard your business against losses that may occur, from damage to your property or injury to employees.

Typically Commercial Combined Products will cover a combination of public liabilityemployer’s liability and product liability alongside material damage covers which can include your Buildings, Contents and stock.

At Plan you will benefit from:

  • Expert knowledge and advice
  • Exclusive rates from leading insurers
  • Platinum rated Feefo customer service
  • Exclusive access to Health and Safety documents, Risk and Method Assessments, Business Continuity templates and more – for no extra cost to your policy.

Call us on 0800 954 0778 to speak to one of our specialist advisors or request a call back.

Who We Cover

  • Shops
  • Charities
  • Offices
  • Commercial combined
  • Wholesalers
  • Manufacturers


Below we have compiled some commonly asked questions that explain the key features of General Commercial Insurance, from essential elements of insurance to optional add-ons, to ensure that you and your business have the right cover.

If you have any more questions or would like a quote call our expert team, request a call back or fill in a quote form.

Who can we cover?
Client Risk Assessment Services

Having the right business insurance in place with correct up to date document templates and guides can help you minimise the risk and liabilities that can take a huge hit on your companies’ profits.

We can now offer our clients personalised Health and Safety documents, Risk Assessments, Method Statements and much more for your business. These additional documents are supplied to you at no extra cost when you take out a policy with Plan.

Our new package now includes business continuity templates that are updated annually which you can use as guidance and to track your business operations. With this, you will also receive regular notifications regarding legislation changes that are relevant to your business.

Why take out a commercial combined policy with Plan Insurance Brokers?

At Plan, we let you focus on your day-to-day with full knowledge that your specialist policy will protect your business against the risks you face on a daily basis.

Let us know the needs of your business, we will use this information to provide a bespoke quotation at a competitive premium with our panel of industry leading insurers.

What does Commercial Combined Insurance typically include?

Commercial insurance policies can include the below covers based on your business’s needs:

• Product Liability
• Public Liability
• Employers Liability
• Buildings Cover
• Contents
• Owned and/or hired plant
• Stock


What claims support do you offer?

Our informed advice and independent claims guidance, based on over 30 years of industry experience, all comes as part of the service. Our motor claims help line will also proactively report incidents to your insurer on your company’s behalf and arrange courtesy vehicles whenever possible.

That should all go without saying. Though, we do also offer the following innovative claims solutions:

Loss Adjuster Assistance Insurance – Should you need to make a claim on your commercial insurance with a value in excess of £5,000 having unlimited advice from a professional loss adjuster could prove a fantastically helpful resource to draw upon. We offer an insurance policy that will provide a  personal loss adjuster who can prepare and present your claim to your insurers. They’ll also be able to negotiate with them, organise interim payments from your insurers where necessary, attend insurer meetings and handle all correspondence. Read more about the incredibly useful support that a Loss Adjuster Assistance Insurance policy can offer for comparatively low premium.

HSE Assistance Inspection Assistance – An unannounced inspection or an investigation by HSE following an accident could have a serious impact on your business. We offer an insurance service that provides businesses regulated by the HSE with reassurance of knowing that should they need it, they’ll have 24/7, 365 days a year access to assistance to minimise any downtime and distraction. Your business will have cover to help meet the costs of a Health and Safety Executive intervention. Your team will also receive guidance from a Health and Safety expert to help you handle the Health and Safety Executive inspection process, review relevant documentation and to draft a response. If the HSE wish to conduct an interview under caution’ cover for legal fees to represent you are an added benefit. Read more about this low cost HSE Assistance Inspection Assistance solution that could prove highly valuable.

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