Commercial Combined
Insurance

What is Commercial Combined Insurance ?

Commercial Combined Insurance is essential for businesses looking to protect themselves against a wide range of risks in an affordable and efficent package that bundles various insurance coverages into one policy. This type of insurance is particularly beneficial for businesses with complex needs or those operating in industries with specific insurance requirements.

shop face with red awnings

Everything You Need in One Package

At JCL, we tailor our insurance packages to your individual needs.

We analyse the specific requirements you have and the risks you may face, and curate a policy that protects you should the worst happen.

JCL Commercial Combined Insurance can cover the following:

Material Damage

Protects business premises, contents and equipment against sudden or unforeseen circumstances.

Public Liability

Provides cover when a third party is injured or their property is damaged due to the business’ actions. It covers the costs as well as any related legal expenses.

Employers’ Liability

This is compulsory for all employers’, covering injury to employees.

Professional Indemnity

Designed to cover claims arising as a result of professional negligence. The policy covers legal defence costs and damages awards to the claimant.

Cyber Insurance

Designed to protect your business from digital threats such as malicious cyber hacks or data breaches.

Stock

Protects against the loss, theft or accidental damage of your stock.

Why Choose JCL?​

Commercial Combined Insurance FAQs

What type of insurance is required for my business?

Legally, there is only one policy you are required to have as a small business, and that’s Employer’s Liability Insurance. You must have this if you employ staff. It is wise to invest in other policies to protect your business against unforeseen events and financial losses. To find out what insurance your business should have, call our friendly team on 01948 820000.

Does a sole trader need business insurance?

A sole trader should consider having insurance for their business. Not only does it open an opportunity for contracts where insurance is mandatory, but it will also give you peace of mind that you are protected should something happen

What does business insurance cover you for?

There are many different elements to business insurance and cover will vary depending on your business needs. At JCL, we can find cover for each part of your business from public liability to stock cover.

Enquire about a quote