Commercial Combined Insurance

SME Insurance

Commercial Combined Insurance

The all-in-one business protection package.

Our commercial combined insurance is an all-in-one package that protects an assortment of risks such as your cover for buildings, stock, contents, goods in transit, business interruption, and your employer’s liability.

With so many areas of risk to consider, we guide you through the process of selecting the cover that you require to protect your business, taking the time to ensure we completely understand your business demands and needs.

Features of Commercial Combined Insurance

Commercial combined insurance policies can be tailored to your requirements, giving you peace of mind that a wide variety of covers are under one, accessible and comprehensive policy. We can consider many different factors for your combined insurance such as the business size, your location, the number of employees, your turnover, the industry sector, market reach, activities, processes and machinery used to name a few.

By using a select panel of insurers who can trade with us electronically, we can obtain quotes very swiftly, ensuring that we can give you the cover you require at the right price. Typically, we can have your cover in place within 24 hours.

There are a wide range of covers available through a commercial combined policy, including but not limited to:

  • Public liability insurance to provide cover for legal costs from claims brought against you by members of the public.
  • Employers Liability insurance – a legal requirement if you have any employees, be they full time, part time or temporary.
  • Products liability insurance, which is useful if you are a distributor or manufacturer. It offers protection from damage or illness caused by your products.
  • Stock cover which covers you should your premises be burgled or your stock damaged (particularly useful for shops or warehouses).
  • Business interruption cover, which adds protection should you need to close your business for any reason, such as a flood or fire. This can ensure you do not miss out on your income when you are forced to close.

Why Choose a Commercial Combined Policy?

One of the main benefits of choosing a commercial combined insurance policy is that it can cover a wide range of covers all within one policy. Of course, you could simply purchase several separate policies, but having one combined insurance policy can save you a great deal of time and stress throughout the year! With just one policy offering protection for your business, you need not worry about renewal dates for several different insurance policies and providers. There is also the added flexibility that you can amend or adjust parts of your policy with just a simple call to us here at Erskine Murray.

Get a Commercial Combined Insurance Quote

Here at Erskine Murray, we work closely with a range of insurance providers to ensure we can offer quotes that meet your requirements and a quick turnaround for our clients. Get in touch with our team here today to begin your commercial combined insurance quote, or to speak to a member of our SME insurance team to discuss your business insurance needs.

Get a Quote

Get a Quote

SME Insurance by Sector


Cyber attacks are a rapidly growing, see how we ensure you are protected. 

Directors’ and Officers’

Often referred to ad 'D&O', this policy is designed to defend individuals against damaging claims.

Shops and Offices

From office blocks and home offices to hairdressers, florists and newsagents, we cover the entire scope of this sector.  

Commercial Property Owners

For property owners, investors or developers, single property to portfolio's, we have the solution.

Residential Property Owners

For property owners, landlords and associations, we deliver a policy that covers all related risks.


One policy for fleets of all sizes. Our online platform compares insurers within minutes, so you know you have the right cover.

Professional Indemnity

Often referred to as 'PI', a profession-based risk management package.


Our package covers every single trade. Simple, effective and delivered by the same or following working day.

Motor Trade

For dealerships, mechanics, valeters, bodyshops and everything in-between, we've got you covered.


Including buildings, contents, liability, unoccupied and rental protection.

Golf Course

Golf courses possess specific risks which specialised golf course insurance can help protect you against.


Whether you are a small independent bakery, or a larger chain, it is vital you consider your level of business insurance.

IT Contractors

From basic repairs and builds through to emergency cover, your clients call on you for your expert knowledge and skill.

Coffee Shop

There are many risks associated with not only running a successful business, but in serving hot drinks and food to the public.


Professional indemnity insurance is an important policy, as you are offering professional services to other people & businesses.


Your clients call on you for your expertise, knowledge and skill, whether you are a quantity or land surveyor.

Who do I


If you would like to talk more about your SME Insurance needs please contact Rob.

Rob Marshall

Head of SME

Who do I


Rob Marshall

Head of SME

Employee Benefits

Have you considered an Employee Benefits package? Such a policy can help you attract and retain a highly skilled and dedicated workforce.

Claims Support

We will act on your behalf, to manage your claim from initial notification to settlement. We will also make sure you are kept up to date throughout the entire process.