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What is a combined policy insurance package?

Setting up, establishing and running a business isn’t easy. Time is spent on a wide range of different activities, many of which distract you from your core revenue earning activities. That’s why we work with you to ensure that all the risks emanating from those day-to-day activities are insured, ensuring the long-term sustainability of the business should the worst happen.

The main sections of cover provided within a commercial combined policy includes; professional indemnity, public liability, employers liability, general office and equipment insurance, cyber, legal expenses, personal accident and vehicle and fleet insurance. Further policies can also be taken out to cover more bespoke risks, whilst the core policies can be extended to include further cover i.e. removal of specific exclusions, increased cover levels, and the addition of further coverage bespoke to your trade or profession.

Ensuring that your business is protected against the big claims that can bring an uninsured business to its knees, as well as the smaller claims, brings with it peace of mind and allows you to continue to focus on your core activities and do what you do best.

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Combined Policy Insurance Features

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Core policies

– Professional indemnity
– Public liability
– Employers liability
– Office & equipment insurance
– Legal expenses

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Optional policies

 Vehicle & fleet
– Personal accident
– Cyber insurance
– Business interruption insurance
– Director & officers insurance

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Bespoke cover for your profession
Extend core and optional policies to cover bespoke risks faced only by your profession. This can include things like increasing the level of cover to a higher amount, removal of exclusions, increase in the scope of cover, adding temporary workers, riskier sectors of work and vehicle coverage etc.

Common Combined Policy Insurance Questions

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Do we need bespoke policies?

Taking out bespoke policies allows you to be sure you’re covered for the specific risks you face, and more importantly to make sure you don’t fall foul of having a claim not covered due to exclusions remaining in place.

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What Trades & Professions Can You Cover?

There’s almost no trade or profession that we cannot cover. We’ve spent years building up our vast range of insurer agreements, meaning we have access to policies that cover over 99% of UK SME activities.

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Tailored to your exact needs

Every recruitment business is different. That’s why having a specific combined policy in place that meets the exact requirements of your business ensures you only take out, and pay for, the cover you need.