Commercial Combined Insurance
The essential protections in one policy
Simplify your insurance while protecting your business.
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What is Commercial Combined insurance?
Commercial Combined insurance brings your essential business protections together in one flexible, carefully structured policy. Instead of managing multiple separate policies, you benefit from a single renewal date, a single premium, and coverage tailored to the way your business operates.
This approach allows us to create the right mix of protection for you, from liability and property damage, to business interruption cover for loss of income. Everything is aligned to the unique risks you face in the moving and storage industries.
Your tailored policy can include:
- Property Insurance – protection for buildings, contents and stock
- Liability Insurance – including public, employers’ and product liability
- Business Interruption – safeguarding income if your operation is forced to pause
- Additional Covers – such as goods in transit, money, personal accident, cyber insurance and more
A Commercial Combined policy gives you simplicity, flexibility and clear value. You get all your essential protection in one thoughtfully designed package.
Why do you need it?
Every moving or storage business needs core protections in place, but understanding which additional covers genuinely support your operation requires experience. Just one incident, like building damage, lost equipment, or a pause in operations can impact your revenue far more quickly than you might expect.
With over 25 years of experience in the moving and storage industries, we understand the specific risks you face each day. Our knowledge helps us to identify where your vulnerabilities lie and guide you to the right protection, not just the standard protection.
We listen carefully and ask the right questions to build a Commercial Combined policy that fits your needs, rather than assumptions. This gives you a level of cover that supports your business, protects your reputation and helps your business to keep moving, even when challenges arise.
What does it cover?
No two businesses are the same, so we never use off-the-shelf solutions. We negotiate each policy for your individual business, often by talking directly with leading underwriters, to make sure your cover matches your real risks and operational needs.
Your Commercial Combined policy can include:
- Employers’ liability
- Public liability
- Business interruption
- Property cover
- Equipment protection
- Product liability and portable items
- Money & Assault
- Outstanding debit balances
- Terrorism cover
- Commercial legal expenses
- Computer and cyber-related risks
Our long-standing relationships with insurers allow us to secure terms that fit the changing needs of the moving and storage industries. This means you get tailored protection that is carefully reasoned, clearly explained, and designed to support your business every day.
Looking for something in particular?
Please get in touch today if you’re looking for something more specialist, and our expert team will be able to help.
Insurance that reacts quickly when needed
Our dedicated account handlers provide fast, expert support, delivering coverage that responds immediately to incidents and minimises business disruption.
Speak to our TeamLloyd’s of London Broker
We are the only Lloyd’s of London broker solely dedicated to UK moving, self-storage and international relocation industries.
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