Flexible cover to meet your larger business needs
Our comprehensive and reliable cover is designed to protect the business you’ve worked hard to create. Build a policy suited to your needs, from public liability cover to business interruption insurance.
Our expert team understands businesses like yours and can help you get the right type and level of business insurance. They do this by taking the time to find out how your business works and by asking the right questions. This tailored service can give you the reassurance that your business is covered should the worst happen.
Our customer-focused team has built up knowledge about the insurance needs of bigger businesses. This has helped us to develop commercial combined insurance products you can tailor to suit your business. Whether you want to cover yourself for accidents on site, legal disputes with clients, or the tools you need to run your business, you pick what goes into your policy.
Commercial combined insurance
Cover that meets the specific needs of wholesalers and manufacturers with large or complex risks.
Public liability insurance
In case your business and products cause an injury or property damage.
Employers’ liability insurance
In case anyone gets ill or injured while working for your business.
Professional indemnity
In case a client loses money because of your advice, services or designs.
Contents insurance
In case something happens to your fixtures, fittings, or operational equipment.
Business legal insurance
In case you’re hit with legal expenses connected to your business.
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or off-duty.
Stock insurance
In case something happens to your products and consumables.
Tool insurance
In case your tools are lost, stolen or damaged.
Buildings insurance
In case something happens to your business premises.
Own plant insurance
In case plant machinery, like excavators, you own is lost, stolen, or damaged.
Hired-in plant insurance
In case plant machinery, like excavators, you've hired in is lost, stolen, or damaged.
Contract works insurance
In case your building work in progress is damaged by something like a fire, flood or vandalism.
Excess insurance
In case you need to make a claim on your insurance policy.
Cover that meets the specific needs of wholesalers and manufacturers with large or complex risks.
Commercial combined insurance includes a range of standard and optional covers. From buildings, contents and stock insurance, plus optional public, product liability and employers’ liability insurance, build a policy that protects the unique needs of your business.
Our commercial combined insurance provides cover for a diverse range of wholesale and manufacturing businesses.
In case your business and products cause an injury or property damage.
Claims against your business for:
For example:
**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**
Read more about public liability insurance
In case anyone gets ill or injured while working for your business.
Claims against your business for:
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**
For example:
In case a client loses money because of your advice, services or designs.
Claims against your business for:
For example:
Read more about professional indemnity insurance
In case something happens to your fixtures, fittings, or operational equipment.
Claims against your business for:
For example:
Read more about business contents insurance
In case you’re hit with legal expenses connected to your business.
Claims against your business for:
For example:
Read more about business legal insurance
In case anyone you’ve covered is accidentally injured, at work or off-duty.
Claims against your business for:
For example:
Read more about personal accident insurance
In case something happens to your products and consumables.
Claims against your business for:
For example :
Read more about stock insurance
In case your tools are lost, stolen or damaged.
Claims against your business for:
For example:
Read more about tool insurance
In case something happens to your business premises.
Claims against your business for:
For example:
Read more about business buildings insurance
In case plant machinery, like excavators, you own is lost, stolen, or damaged.
Claims against your business for:
For example :
Read more about plant machinery insurance
In case plant machinery, like excavators, you've hired in is lost, stolen, or damaged.
Claims against your business for:
For example :
Read more about plant machinery insurance
In case your building work in progress is damaged by something like a fire, flood or vandalism.
Claims against your business for:
For example :
Read more about contract works insurance
In case you need to make a claim on your insurance policy.
Claims made by you for:
For example :
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
Our team is supportive and wants your business to succeed. We insure more than 1,000 trades, from builders and groundworkers to manufacturers and wholesalers (and many more).
Insurance helps give you peace of mind that your business is protected when the unexpected happens. Switching to us is easy, our insurance experts can help you to protect your business and your people. Give us a call today to start your quote.
'Carol at Simply Business asked questions until she understood what we were about. We trust and respect Carol and Simply Business because she found us the right insurance cover – we wish we’d found them sooner.'
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Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
Paying 80% of settled claims within 24 hours in 2022
The figure above is rounded across our range of products. "Settled" covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.
We started out as a team of 5 back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their insurance.
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Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for off licences. You can also check out our business insurance FAQs.
Commercial combined insurance is slightly different from standard business insurance. Commercial combined includes standard business insurance covers, like public liability, while offering additional cover that meets the specific needs of wholesalers and manufacturers with larger or slightly more complex risks.
If an engineering business has a commercial combined policy, it could include standard covers such as public liability and employer’s liability. But also include optional covers like contents, tools, and own plant insurance that protect a bigger business from the specific risks they face.
As a commercial combined policy has optional covers like contents, stock, buildings, and contract works insurance – a commercial combined policy can cover damaged caused by fire.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
Make sure you’re covered for the services you provide:
The types of businesses we insure:
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
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© Copyright 2024 Simply Business. All Rights Reserved. Simply Business is a trading name of Xbridge Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348). Xbridge Limited (No: 3967717) has its registered office at 6th Floor, 99 Gresham Street, London, EC2V 7NG.