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Commercial Combined Insurance

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At PJ Insurance, we’re committed to finding you the right cover at the right price. With access to a wide range of policies, we do the comparisons for you—saving you time and hassle. Our in-depth expertise across all areas of insurance means we’re here to guide you every step of the way.

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Commercial Combined Insurance

PJ Insurance is a specialist insurance broker for Commercial Combined insurance

Managing multiple insurance policies can be time-consuming and costly—but a Commercial Insurance Package offers a smarter solution. By combining several essential covers into one simple, easy-to-manage policy, it helps protect your business while saving you time and money.

Small businesses often face a wide range of risks, which can mean juggling several different insurance policies. With so many options available, figuring out exactly what you need—and gathering quotes for each—can be a real headache. A Commercial Insurance Package brings together the core protections most businesses require, all in one convenient policy.

“Alone we can do so little; together we can do so much.”

Helen Keller

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know your Business

A Commercial Insurance Package brings multiple types of cover together under one policy, making it easier to manage your business protection. Most covers are optional, giving you the flexibility to choose only the elements that suit your specific needs—so you get tailored protection without paying for what you don’t need.

01

Complete online enquiry form

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We compare to get you the best quote

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We send you all documents immediately

we will assist you with any insurance needs you have

Click on the link below and complete the enquiry form today

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our Commercial combined Insurance Includes:

  • Professional Indemnity insurance: If your business has employees then Employers liability insurance (EL) is a compulsory insurance policy. Employers Liability insurance provides cover for compensation claims should an employee suffer any physical injury or death, while working for your business.
  • Public Liability Insurance: Public Liability insurance covers you for claims made by members of the public as a result of injury or damage to them, or their property, caused by your business. It also covers legal fees and other expenses incurred when defending a claim. See the Public Liability insurance page for more details.
  • Tools Cover: If you run your own business and rely on your tools for your income, then this part of the policy will cover the tools you use against theft or damage. If your tools are stolen then tool insurance will cover the cost of replacing them allowing you to get back to work as soon as possible.
  • Business Contents Cover: Contents insurance covers your business against damage or loss to your stock, machinery and contents. Anything the business needs to function properly should be covered by a contents insurance policy. You can find more details about this cover on our Contents insurance page.
  • Legal Expenses: Your business may find itself involved in a legal dispute such as an employment tribunal or as a result of a tax or VAT investigation. Legal Expenses insurance covers the legal costs (barristers and solicitors’ fees and expenses, the cost of expert witnesses and court costs) incurred when defending an action against your business.

Protecting your business from risks such as public liability, product liability and loss of money, commercial insurance can also cover you against business interruption, material damage, engineering breakdown and damage to stocks and contents. Especially where stock and products are fundamental to your business and its operations, commercial combined insurance ensures that the effect of any damage, theft or losses are minimal and you can resume functionality as soon as possible. Having the right commercial insurance in place protects you, your employees and your company from expensive cases, and reduces reputational damage too.

If you ever need to claim on your commercial combined insurance, please follow this process:

  • Report the insured event to your insurer using the claims number provided, taking note of key dates, times, important facts and information on what has happened. If something serious has happened, such as theft or malicious damage, please contact the police immediately.
  • Then, check your commercial combined insurance policy and ensure that you’re covered for what has happened.
  • When going through the event with your insurer, it’s important that you have your policy document, receipts for anything stolen or damaged and any information that you feel will help explain your case to hand.

Business owners choose commercial combined insurance policies because they provide great flexibility in covering a range of different risks under one policy. For example, 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. 

Looking for something else?

PJ Insurance Brokers Offices

Weybridge Office

113 Queens Road
Weybridge
Surrey
KT13 9UN

Petersfield Office

4 College Street
Petersfield
Hampshire
GU31 4AD

Motor Claims Notification Line

Call : 0343 5044 069