Commercial Combined Insurance

Protect your business from unexpected costs or interruptions with flexible, all-in-one commercial insurance

With Commercial Combined Insurance, you can protect your business against property damage, employee injury, and third-party claims all in one flexible insurance package. Optional business interruption cover may also be available, subject to the policy terms and the cover selected.

Tailored for small businesses, this cover helps you stay protected from the unexpected, so you can focus on running your business with confidence.

Cover from just £375.00 a year OR £34.38 per month*
*subject to eligibility, underwriting criteria and cover selected

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Comprehensive protection

Property, business interruption, employers’ liability and public liability cover.

Designed for small businesses

Cover built for businesses with up to 10 employees

What you need to know

For full details of what’s covered, when it’s covered and what’s excluded, see the policy document.

Property damage
- Accidental damage to insured property at your premises
- Repair, replacement, or reinstatement of buildings, contents, stock, and computer equipment
- Theft involving forced entry or violence
Business interruption (optional cover)
- Loss of income following insured property damage
- Loss of turnover, revenue, or rent
- Increased cost of working to keep your business running
Employers’ liability
- Legal liabilities for employee injury or illness caused by work
- Legal defence costs and representation at inquests
- Cover for temporary overseas work (subject to limits)
Public liability
- Legal liability for injury to third parties
- Damage to third-party property
- Accidental nuisance or trespass
- Legal defence costs and representation at inquests

Property damage
- Wear and tear or gradual damage
- Faulty workmanship or breakdowns
- Theft where there is no forced entry or adequate security
Business interruption (optional cover)
- Losses not linked to insured property damage
- Business closure due to financial failure
Employers’ liability
- Motor-related incidents (covered by motor insurance)
- Offshore or high-risk work outside standard cover
Public liability
- Injury to employees
- Faulty workmanship or professional advice
- Motor use requiring separate insurance

For full details of what’s covered, when it’s covered and what’s excluded, see the policy document.

SUITABLE FOR	NOT SUITABLE FOR
Businesses needing combined property and liability cover	Businesses with more than 10 employees
Small businesses with up to 10 employees	Companies with turnover of more than £1 million
Companies with turnover up to £999,999	High-risk or offshore operations
Businesses with physical premises, employees, or public exposure	Businesses requiring cover beyond the stated limits

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Why buy a Commercial Combined Insurance policy with Save More Money?

At Save More Money, we’re committed to providing straightforward insurance policies that are easy to take out (you can buy our policies online in minutes).

This Commercial Combined Insurance package brings together multiple essential covers into one easy-to-manage solution, helping protect your business against the most common risks, from property damage to liability claims.

It’s a simple, practical way to confidently protect your business and provides peace of mind.

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Policy Documents

This insurance is arranged by Stubben Edge (Risk) Limited, an FCA regulated company which is also the policy administrator, and is underwritten by Ascot Syndicate 1414 at Lloyd’s with delegated authority to Cedar Underwriting Limited.

Policy wording

Policy Summary

Notice to Policy holders

Terms of Business Agreement