Commercial Combined Insurance
Flexible, Bespoke Insurance Solutions for Businesses With Complex Needs
At Commercial Risks (UK) Ltd, we understand that no two businesses are the same and neither are their risks. That’s why we specialise in Commercial Combined Insurance, delivering tailored, all-in-one cover for businesses that fall outside the scope of standard markets. Whether the challenge is claims history, high-risk activity, mixed-use premises, or unusual exposures, we structure and place policies that respond properly.
We provide direct access to Lloyd’s markets, specialist MGAs, and niche company insurers to design and deliver solutions where standard providers may fall short.
What Is a Commercial Combined Policy?
A Commercial Combined Insurance policy brings together multiple covers under a single, flexible contract. Ideal for businesses with diverse operations, multiple premises, or unique risk features, it ensures consistency of cover while allowing bespoke tailoring by section.
We create solutions for:
- Manufacturing & engineering
- Wholesale & distribution
- Logistics & warehousing
- Retail & hospitality
- Property-owning businesses
- Construction, trades, and mixed-use operators
Core Cover Options
We structure policies from a wide range of component parts to suit the business's exact requirements:
Material Damage
- Buildings, contents, machinery, stock
- Business interruption (gross profit/revenue, increased cost of working)
- Accidental damage and all risks options
- High-value equipment and specialist items
Liability Insurance
- Employers’ Liability (standard and extended)
- Public and Products Liability (including exports to the USA/Canada)
- Environmental Liability and gradual pollution cover
- Defective workmanship and inefficacy extensions where require
Cyber, Crime & Legal Expenses
- Cyber liability and ransomware protection
- Commercial legal protection
- Fidelity, theft by employee, or third-party crime cover
Engineering & Plant
- Inspection, breakdown and loss of use
- Hired-in plant and machinery
Goods in Transit & Marine Cargo
- UK, EU and worldwide movement of stock and raw materials
- Own vehicles, hauliers, and courier exposures
We Also Cover the Difficult Stuff
We’re known for successfully placing non-standard, high-risk, or declined risks, including:
- Businesses with poor or adverse claims experience
- Composite panel construction or fire-rated premises
- Businesses with multiple trading activities under one roof
- Premises with shared or sub-let occupation
- Night-time, licensed, or entertainment venues
- High-theft or high-value stock (e.g. electronics, metals, tools, alcohol)
- Clients with prior cancellations, lapses or winding-up orders
- Risks requiring layered, co-insured or excess-of-loss placement
Our Placement Strategy
We act for brokers and direct clients seeking access to:
- Lloyd’s of London (via open market or delegated authority)
- Specialist MGAs with a risk-accepting mindset
- Insurers who understand commercial complexity and underwriting nuance
We build the narrative, quantify the exposures, and work with underwriters to ensure the risk is presented thoroughly, not simply boxed into a standard template.
Why Choose Commercial Risks?
- We place the hard-to-place. Whether the issue is construction, claims or compliance… we find a way.
- Bespoke cover. Every section is tailored. With no bundling, no unnecessary exclusions.
- Clear advice. We help you understand what you are (and aren’t) covered for, so there are no surprises.
- Real underwriter access. We don’t just quote, we negotiate.
Let’s Talk
If your commercial client has been turned down, had terms withdrawn, or has complex operations to insure, we’re here to help.
Call us: 020 7702 2103
Email us: info@commercialrisks.co.uk