Commercial Combined Insurance

SME Insurance

Commercial Combined Insurance

What is Commercial Combined Insurance?

A commercial combined insurance policy is designed to provide insurance cover for multiple liabilities including public, employers liability, personal accident, business interruption and many more.

With so many areas of high risk to consider for your company, we guide you through the process of selecting the legal 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 personal range of work requirements, giving you peace of mind that a wide variety of covers are under one and you don’t need to include any extra liability expenses, accessible and comprehensive policy. We can consider many different factors for your combined insurance service 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 expert insurance brokers who can trade with us electronically, we can obtain quotes very swiftly, ensuring that we can give you the cover your company require at the right price. Typically, we can have your required cover in place within 24 hours.

There are a large number of covers available through a policy, including but not limited to:

  • Public liability insurance to provide personal cover for legal costs from claims brought against you by members of the public.
  • Warehouse insurance  which covers the theft or damage of any stock inside the warehouse.
  • 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 of a product. It offers protection from loss and damage or illness caused by your goods.
  • Stock cover which covers you should your premises be burgled or your stock take any damage (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 insures you for money loss, when you miss out on your income as you are forced to close.

Why Choose a Commercial Combined Policy?

One of the main benefits of employers choosing this insurance policy is that it can cover a wide range of covers all within one policy, keeping the task of getting insurance small. 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 by only giving you a small amount to read and pay for 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 today to discuss your business insurance needs.

What is commercial combined insurance?

A commercial combined insurance policy is a complete, comprehensive business cover in one single policy which brings together a range of common covers which are often required. It is mainly a good match for smaller businesses, wholesalers, engineers and manufacturers. A commercial combined policy will offer all round financial protection for your business, offering peace of mind as well as security. It can be tailored to cover different risks.

What can commercial combined cover protect against?

The main reason business owners choose commercial combined policies is because they offer great flexibility to cover a range of different risks under one policy. The cover can be tailored to cover different things. Many different business insurance essentials, such as employers’ liability cover, professional indemnity and public liability can all be included, as well as more specific policies for your business, such as stock cover, or business interruption cover. By bundling a range of different insurances into one combined policy, you can simply handle one policy renewal for several different covers.

What are the benefits of commercial combined insurance?

One of the top benefits of commercial combined insurance is the ease of use for the client – one policy to manage rather than several different policies, all with their own renewal dates. This can be a great time saver! Another great benefit is the flexibility of the cover. There are such a wide range of different insurances which can be combined to make the ideal package of insurance products to suitably protect your business from the risks you face each day.

Why is commercial combined right for my business?

Many smaller businesses choose commercial combined insurance because they want to save time and have a versatile policy to match the needs of their business. It is a good choice for lots of different industries and trades, because you can gain all the cover you need under the roof of one policy.

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.