Commercial Combined Insurance

When running your business, you could run into risks, including: 

• An employee suffers an injury at work 
• A visitor slips and falls on your premises 
• Your business equipment is stolen or damaged 
• A fire or disaster disrupts your operations 
• Your stock is damaged in an accidental fire 

It’s worth noting that if you have any employees, then you must have employer’s liability insurance by law. Without it, you may be fined up to £2,500. 

Whether you wholesale operations or a gym, you should consider insurance. At Bionic, we can cover over 6,000 small to medium sized business types, including: 

• Offices 
• Manufacturers
• Wholesalers 
• Warehouses 
• Importers 
• Exporters 
• Distributors 
• Metalworkers 
• Gyms/fitness facilities 

Can’t see your business type? It's likely we can still help – we can cover over 6,000 business types. Start a quote online to see your options.

How much your commercial combined policy costs will vary, but it could start from around £1.22 a day*. The following may affect the price of your premiums:   

• Extent of cover - The more additional cover you opt for, the more likely it is to be more expensive   
• Your insurer - The insurer you choose may also influence costs 
• Location  – Where your business is located can be taken into consideration when calculating the price of your premiums.  
• Business size - Larger operations with more employees, higher turnover and bigger premises typically pay more for cover.  
• Type of product/service - What service or products you offer will affect your premium. For example, food production, chemicals or products for children often have higher premiums than lower-risk items like textiles or packaging.   
• Equipment - Older equipment or hazardous processes could potentially increase costs.  
• Claims history - If you have a history of claims such as fire, flood or injuries, your premium may be higher.   

_{*The price is for a commercial combined policy – 10% of customers who were sold with one of our panel providers paid £445.08 or less annually (excluding any additional administration fees) between 01/01/25 & 31/12/2025. Equivalent to £37.09 a month or £1.22 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary  based on your business requirements.} 

One of the biggest frustrations business owners have is only learning about exclusions after a claim is declined. It’s important to read your own policy exclusions when you take it out. Common exclusions may include: 

• Gradual wear and tear 
• Poor maintenance 
• Deliberate acts 
• Professional negligence 
• Some high-risk activities that may not included on your policy (for example, manufacturing explosives) 
• Activities you haven’t declared 

Policies vary per insurer, and limits and exclusions apply. Always check your own policy wording to see what is and isn’t included.

At Bionic, we champion UK business owners and want to help in every way we can. That’s why we work with a panel of trusted insurers to provide commercial combined insurance quotes for UK small to medium sized businesses.  

We focus on getting you the right cover, whatever your business story. Get in touch with our insurance brokers to find a commercial combined policy today. Start a quote online to carry out a business insurance comparison.