Commercial Combined Insurance

A package deal that focuses on value and flexibility.

The Sensible & Smart Option

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.

  • 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

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.

  • When the wheels fell off my lorry the Shearwater team were incredible. They called to check up on me, they arranged recovery and when the lorry was deemed a write off I was even given the option of keeping the scrap or not.
    Sarah Skillin, British Dressage Member
  • Shearwater not only provided a much more comprehensive policy but at an incredibly competitive price. Everything was very simple.
    Imogen Murray, International Event Rider (5* & Team GBR Nations Cup)
  • We've insured with Shearwater for a number of years and have always been very impressed with the customer service, claims handling, and competitive pricing. I've now moved all of our business and personal polices to Shearwater
    Simon Bates, Owner & Event Director of The College Equestrian, Keysoe
  • I have found Shearwater to be responsive and flexible in providing me and my company with individually tailored insurance packages to cover exactly what I need, at very competitive prices.
    Simon Hall, Managing Director of Soteria Ltd
  • We have worked with shearwater for many many years now! We use them for everything from our horses to our cars, our yard liability to the home insurance... They are a great company to deal with, both in terms of competitive rates and their customer services. I would highly recommend anyone looking at insurance to get in touch with them
    Becky Moody, Grand Prix Dressage Rider, Team GBR Podium Pathway Member
  • I have insured a few horses with shearwater over the years and have always been very impressed. The team on the phones are super helpful and they have always been great at paying out any claims. I wouldn’t hesitate to recommend their service to any of our Members
    Catherine Mills, Head of Global Retention & Equestrian at Quintessentially
  • What can we say about Shearwater? As an insurer if you want the best cover then you need to be with Shearwater. Their service is second to none and their staff are always friendly, knowledgeable and there to help you, nothing is too much trouble.
    Leanne Hart & Daniel Bates, Para Dressage Rider
  • It is a comfort to know that the horses are Insured with Shearwater. They are a professional but friendly company, competitive and knowledgeable. On the claim we had they were fast and efficient and nothing was too much trouble. Would happily recommend Shearwater Insurance, especially as they have such a vast range of options from everything equine to travel and household.
    Michael Murphy - Irish International Para Dressage Rider
  • Shearwater is our absolute go-to for all of our insurance needs from house, yard and horse, to cars and liabilities. The team in the office are easy to talk to and they actually take the time to get to know you as a client. Most importantly, when you need to claim for something, they are quick and listen to your needs, making the whole process much less stressful in your hour of need. We wouldn't use anyone else!
    Chantal Siddle

Get A Quote Today

For professional insurance that means business.  Phone us today on 01992 718666 or request a quote online.