At a Glance
  • Public & products liability
  • Employers’ liability
  • Buildings cover
  • Accidental damage
  • Contents, machinery, equipment and stock
  • All risk contents extension UK-worldwide
  • Business interruption & loss of income
  • Loss of rent
  • Mechanical breakdown/engineering & inspection
  • Legal expenses
  • Terrorism
  • D&O
  • Cyber
  • Management liability

There’s a reason that “package deals” are so popular. They often represent an attractive leisure or holiday option you didn’t even know you wanted but would like to enjoy nonetheless.

The sensible and smart option

Not only is a commercial combined insurance policy an appealing concept, wrapping up all the cover you need for your business into one policy, but it makes a lot of sense in terms of how these cover options work with one another. Commercial Combined is a flexible solution that can save you time as well as costs.

What does commercial combined cover?

In short, it helps to put together your insurance requirements. Public and employers’ liability are likely to be essential, along with buildings and contents. Aside from these, you could have other products added to your commercial combined policy that are going to give your business protection that is relevant. This could be goods in transit cover, engineering, computer equipment, business interruption, directors and officers and cyber are practical combinations of protective cover.

What’s different about commercial combined?

For businesses that sit outside the usual commercial policies, our team at Shearwater can provide commercial combined policies which are tailored to your business so it can continue to run seamlessly.

We’ll work closely with you to design an insurance package which aims to best protect your property, business, staff, stock and customers. We’ll do this for the fairest premium we have available, ensuring you only pay for the covers you need. This can be done through a conversation with our team and / or a visit to your premises.


Dear Jeremy

I wanted to make you aware of the superb customer service that I have received over the last 12 months or so from your employee Dan Simpson.

Dan has not only restored my faith in insurers but equally, shown that customer service is flourishing within your organisation. Dan sets the highest of standards and has raised the bar in customer service standards. Through the course of my work I have the opportunity to gain insight into the internal and external operations of many organisations – time and time again, the adage of ‘people make the difference’ is proven to be correct. Dan is most definitely one of those people and as such is deserving of both praise and recognition.

Best regards


Use our online form to request a quote now. Otherwise call our team on 01992 707316 for a chat about your insurance needs

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