Commercial combined insurance brings multiple essential covers together into one flexible policy, designed to protect businesses with more complex risk profiles. At Thornhill Insurance, our commercial combined policies are individually tailored to suit a wide range of business types, including manufacturers, wholesalers, warehouses, retailers, contractors, engineers, installers, distributors and service providers.
Rather than relying on a one size fits all approach, each commercial combined policy is designed around how your business operates. By understanding your turnover, premises, industry, staffing levels and work processes, we are able to structure cover that accurately reflects your risks and provides meaningful protection.
This tailored approach also helps ensure you are not paying for unnecessary cover. Where appropriate, risk management measures already in place within your business may also result in more competitive terms.
We never compromise on cover
Our packages can be built around the following:
Frequently Asked Questions About Commercial Combined Insurance
What is commercial combined insurance?
Commercial combined insurance is a policy that combines multiple types of business cover into one comprehensive package, tailored to suit your specific risks.
What types of businesses need commercial combined insurance?
This type of insurance is suitable for businesses with premises, employees, stock or equipment, including manufacturers, wholesalers, retailers, contractors and engineering firms.
What information is needed to arrange a quote?
Insurers will typically require details such as turnover, location, industry, number of employees, wage roll split, use of heat work and general work processes but one of our advisors will guide you through this process and obtain all the information insurers will need.
Can the policy be tailored to my business?
Yes. Every commercial combined policy is individually designed to reflect your business activities, premises and risk profile.
What covers can be included?
Cover can include public liability, employers liability, buildings insurance and other core protections depending on your requirements.
Can risk management reduce my premium?
Yes. Businesses with strong risk management procedures may be eligible for more favourable terms or reduced premiums.
Is this suitable for growing businesses?
Yes. Commercial combined insurance can be reviewed and adjusted as your business changes or expands.
Do I need to speak to an advisor?
Due to the specialist nature of this cover, speaking with an advisor helps ensure your policy is structured correctly.
Tailored Protection for Complex Business Risks
Commercial combined insurance is designed for businesses that require more than basic cover. Thornhill Insurance works closely with a panel of specialist insurers to arrange policies that provide robust protection across multiple risk areas within a single policy.
As an independent broker, we take the time to understand how your business operates before recommending cover. This ensures your policy remains relevant, cost effective and appropriate for your level of exposure.
Ongoing support, policy reviews and expert claims assistance help ensure your insurance continues to protect your business as it evolves.
Our Office
Address: 334 Huddersfield Road, Mirfield, WF14 9DQ
Email: info@thornhillinsurance.co.uk
Phone: +44 (0)1924 499182
Freephone: 0800 8818841
Fax: +44 (0)1924 480106