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SME 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.
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:
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.
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.
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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.
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.
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.
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.
Cyber
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.
Fleet
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.
Tradespeople
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.
Landlord
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.
Bakery
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.
Architects
Professional indemnity insurance is an important policy, as you are offering professional services to other people & businesses.
Surveyors
Your clients call on you for your expertise, knowledge and skill, whether you are a quantity or land surveyor.
Who do I
Contact?
If you would like to talk more about your SME Insurance needs please contact Rob.
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.