Commercial & Business Combined Insurance

Commercial Combined Insurance is an all incorporating Business Policy which includes a multitude of insurance covers. This is beneficial for businesses requiring cover for multiple risks including their business contents, equipment, stock, buildings, tenants improvements, glass, Money, business interruption, All Risks, Goods in Transit, public liability at the premises and for work away, products liability, employers liability, Personal Accident, Legal Expenses and so on.

What are the benefits?

  • As mentioned above, an all in one policy with one renewal date, one policy number and one set of documents
  • A single claim can be made with one insurer for different covers. E.g. a burst pipe which causes major water damage to the buildings, internal decorations, contents including loss of stock and results in business interruption
  • Flexibility - have as much or as little cover as you require and select your sums insured and limits
  • Competitive - bundling covers is often cheaper
  • Unlike standard package policies with set limits, a combined policy is more bespoke allowing you to build the policy around your requirements
  • Where you hold stock at multiple sites, floating stock cover can be requested
  • Cover for loss of gross revenue, gross profit or increased cost of working in the event of business interruption
  • Broader coverage, e.g. overseas sales including North America

Typically we can cover the following

  • Manufacturers
  • Wholesalers
  • Distributors
  • Building & Timber Merchants
  • Packaging Factories
  • Warehouses
  • Processing Plants
  • Plant Hire
  • Printers
  • Metal Workers
  • Precision Engineers
  • Importers and Exporters
  • Leisure, Hospitality & Entertainment
  • Sports and Social Clubs
  • Service Trades
  • Retail

You may also wish to consider

  • Directors’ & Officers’ Liability
  • Employment Malpractice Liability
  • Professional Indemnity
  • Cyber Risk Liability
  • Tax Investigation Insurance
  • Motor Fleet

We’d love to help you with your Commercial Combined Insurance, contact us or request a call back and get covered today!

How we add value...

We work with you to identify, measure, manage, reduce and eliminate risks to your business. This in turn will help limit the chances of suffering a loss and will often result in premium discounts.

We often highlight risk exposures that you were not even aware of.

We act as your agent and working for you in the event of a claim. We are there to remove the common anxieties and burdens that are associated with making a claim. Limiting disruption to your business and daily life is important to us.

You’ll receive a personal service

Regardless of size, we believe every client should be treated with the respect and provided with the service they deserve. Buying insurance can be a daunting and time consuming task, that’s why we work closely with you to understand your needs and make the whole experience of reviewing your insurance a pleasant and seamless one. Every client matters to us!

We are independent and impartial

John Whippy Insurance Brokers are completely independent and are not tied to any one or limited panel of insurers. As one of our 5 pledges to you, we will transact business with your best interests in mind. In other words we will carry out an independent market analysis on your behalf and offer the best value for cover we can from our extensive range of insurers.

How we transact business

Upon completion of our full market review we will present the options to you so you can make an informed decision. Our sales are on an advised basis which means we will make recommendations to you based on your requirements, be it price, cover, insurer background or coverage flexibility etc. We don’t over or under sell, we just offer you what you need.

No Call Centres! Deal with the same individual and build trust!

No numbered options, pre-recorded messages, repeating conversations or scripted questions. Our staff are professional and will seek to establish your requirements through open, honest and genuine conversations. We believe it’s important to listen to what is important to you! We can communicate with you by telephone, e-mail or we are happy to arrange face to face discussions and visit you.

Don’t pay over the odds!

Challenge us to beat your renewal premium and work closely with one of our experienced, knowledgeable and qualified team members. Contact us or request a call back to get professional advice and obtain valuable insurance cover at competitive premiums!

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