Commercial Combined Insurance

A commercial combined insurance policy is a comprehensive business cover in a single policy, bringing together a range of the covers most commonly required.

Providing tailored insurance solutions to businesses of all sizes has always been our main focus. 

Call us now on 01323 410 433 for a free market review.

Trades sectors that we have a strong appetite for include...

  • Manufacturers Insurance
  • Wholesalers Insurance
  • Distributors Insurance
  • Packagers Insurance
  • Engineers Insurance
  • Warehouse Insurance
  • Hospitality & Entertainment Insurance
  • Sports & Leisure Insurance
  • Technology Insurance
  • Retail Insurance

Specific trade activities we particularly like include... 

  • Builders Merchants
  • Food Wholesalers Insurance
  • Importers & Exporters Insurance
  • Metal Workers Insurance
  • Office & Business Administration
  • Plant Hire Insurance
  • Printers & Sign-writers Insurance
  • Precision Engineers Insurance
  • Recycle Centre Insurance (See Recycle Facility)
  • Timber Merchants Insurance
  • Transport & Logistics Insurance

At John Whippy Insurance Brokers we understand the importance of providing a reliable and local service, with professional advice, so that our clients can build long-term trust with us when taking care of their insurance needs and requirements. We prefer to spend time listening to our clients, and then select or build appropriate insurance coverage at a premium that is acceptable to them. Ultimately, we want all of our clients to understand the cover they are purchasing, and have confidence that they are paying the right price for the right cover!

We do not disappear after point of sale, we are there to guide and advise our clients throughout the life of their policy – including with claims management.

There’s no shortage of choice when it comes to commercial insurance, but this can often confuse matters further. We offer both package and specialist commercial insurance cover based on your requirements. That means that every insurance policy we arrange for our clients is different; therefore, we start with an initial call to discuss what your business does, what it’s potential exposures are, and what cover, we believe, is required to give you the right protection.

What are the benefits of a Commercial Combined Policy?

  • 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 multiple 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 required, and select your sums insured and limits
  • Competitive - bundling covers is often cheaper than purchasing separate policies
  • Unlike package policies with set limits, a combined policy is more bespoke to your needs, allowing you to build the policy around your requirements
  • Where you hold stock at multiple sites, floating stock cover can be requested with umbrella limits
  • Cover available for loss of gross revenue, gross profit, or increased cost of working in the event of business interruption
  • Broader coverage usually available (e.g. overseas sales including North America)

Commercical Combined core covers include...

  • “All risks” Property Damage
  • Computer & Electronic Equipment
  • Deterioration of stock insurance
  • Money
  • Business Interruption
  • Loss of Liquor Licence or Registration
  • Public & Products Liability (Up to £10m available)
  • Employers' Liability (Compulsory Legal Requirement)
  • Personal Accident
  • Machinery breakdown
  • Goods in Transit
  • Refrigerated Stock
  • Fidelity (employee and third party fraud)
  • Terrorism insurance
  • Legal Expenses

Ask us about...

  • Directors' Liability Insurance
  • Employment Malpractice Liability
  • Professional Indemnity
  • Cyber Liability Insurance
  • Tax Investigation Insurance
  • Commercial Motor Fleet Insurance

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

Call us now on 01323 410 433 for a free market review.

Why John Whippy Insurance Brokers?

  • A Local & Personal service from a dedicated adviser who represents you, not the insurer
  • 100% Independent Insurance Broker offering impartial and independent advice
  • A reputable and established local Insurance Broker
  • A qualified and experienced team, with commitment to staff development
  • Professional insurance recommendations with sales on an ‘advised basis’
  • In-house claims management 

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!

As a Sussex Insurance Broker we predominantly serve, but are not limited to, the following areas:

Eastbourne, Polegate, Lewes, Brighton, Hove, Peacehaven, Seaford, Shoreham, Worthing, Hailsham, Uckfield, Heathfield, Herstmonceux, Pevensey, Bexhill, Battle, and Hastings.

Get in Touch

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Contact us for a Review of your Insurances...