Commercial combined insurance

From startups to established enterprises, insurance is one of the first things that needs to be considered. Our commercial combined insurance solutions provide adaptable, cost-effective solutions to protect your business against unexpected challenges.

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Helping businesses with insurance for over 70 years

Finding you the best cover

We have a panel of 120 insurers to discover suitable quotes and tailored cover for your needs.

Experts

Our team of insurance specialists have more than 70 years of experience in the industry.

Personalised cover

Our agents conduct a thorough fact find to understand your unique requirements, then work with insurers to get you the cover you need.

More than just insurance

Radius offers telecoms, fuel cards, telematics, insurance, electric vehicle charging, energy and vehicle solutions to businesses across five continents.

Search our panel of commercial combined insurance to find competitive cover

We work with a range of commercial combined insurance from household names to small specialist insurers to find the best policy for your business.

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Three simple steps

1

The fact find

Complete the online question set or speak to one of our agents.

2

Search the market

We identify the policy that best suits your business requirements.

3

Your business insured

Complete your commercial combined insurance purchase online in minutes or over the phone.

Get a quote

What is commercial combined insurance?

Commercial combined insurance is a bespoke solution designed to offer comprehensive protection for your business against a wide array of risks. This type of policy merges various individual insurance covers into a single, full-service package.

This form of insurance is specifically adapted to meet the unique needs of your business – regardless of its type and size. By bundling essential coverage such as buildings, contents, and liability insurance, a commercial combined plan simplifies the management of your company's insurance needs.

Convenience is one of the main factors behind this integrated approach. At the same time, commercial combined insurance ensures there are no gaps in your coverage. You can be protected against a range of risks including property damage, business interruption, public and product lability, and employers' liability. You can customize it to perfectly align with your company.

Streamlined, cost-effective, trouble-free. Rather than purchase separate policies for each risk, commercial combined insurance delivers comprehensive protection against any unforeseen challenges faced by your business.

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What's covered by commercial combined insurance?

Property damage insurance

This coverage is essential for safeguarding your physical assets. It protects against loss or damage to buildings, machinery, and stock due to events like theft or fires.

Employers' liability insurance

A legal necessity for almost all businesses with employees, this insurance covers legal costs or damages arising from work-related employee injury or illness claims.

Public liability insurance

This insurance supplies protection against legal and compensation costs arising from injuries to third parties, or damage to their property, for where your business is deemed responsible.

Product liability insurance

This coverage offers protection against claims of loss or damage caused by your products. This includes claims for personal injuries caused by defective products. Essential for companies that manufacture or supply goods.

Business interruption insurance

Your company's financial stability can be decided by this insurance. For instance, if your business operations are disrupted due to events like fires or major breakdowns, this cover can compensate for lost profit or revenue during this interrupted period.

Legal compliance

In many cases, having certain forms of insurance is a legal requirement. By having commercial combined insurance in place, this policy ensures that you are compliant with all relevant regulations. This helps your business to avoid potential legal issues.

The importance of commercial combined insurance

Commercial combined insurance is vital for businesses of all sizes. A lack of suitable cover can leave your company vulnerable to numerous risks. The importance of this insurance is multi-faceted, as highlighted below:

  • Tailored coverage: The bigger your business, the more complex and specific your insurance needs become. Commercial combined insurance offers customized policies that can be built to match your business's unique risks and challenges.  
  • Comprehensive protection: Whether it is property damage, liability claims, or business interruptions, this insurance type covers a broad range of risks. This provides added protection for your business, on multiple fronts.  
  • Simplified insurance management: A streamlined process is achieved as various insurance needs are combined into a single policy. You deal with one policy, one renewal date, and one point of contact. The result: it makes it easier to manage and understand your coverage.  
  • Financial security: Without adequate insurance, your business could be liable for various unforeseen – and expensive – bills. Commercial combined insurance supplies a large safety net, one that delivers financial stability against such risks.  
  • Risk mitigation: This insurance provides financial cover and helps identify and mitigate potential risks. This leads to a safer, more secure business environment.  

Ultimately, this comprehensive approach to insurance, where you receive both robust protection and peace of mind, is a prudent investment for your business. 

The risks of not having commercial combined insurance

Not having commercial combined insurance exposes your business to significant financial risks. Without it, you may face costly legal fees and compensation payouts for property damage, employee injuries, or public liability claims.

Additionally, unexpected events like fires or business interruptions could lead to heavy revenue loss. A lack of adequate coverage can jeopardise your company's financial stability and long-term viability.

Yes, some businesses may only require coverage in the form of employers' or public liability insurance. Others, however, need protection against a large number of risks – and that's where commercial combined insurance becomes key.

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Frequently asked questions

Can’t find an answer to your question? Talk to the Radius customer support team on 0114 261 2020. We’re here to help you with any questions or concerns you may have.

Take control of more than just commercial combined insurance

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Our team has over 33 years of experience helping more than 400,000 customers globally.

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UK Fuels, Joseph W Burley and Partners and Milestone Insurance Consultants are owned by Radius Limited, with registered company number 08260702. Registered address: Eurocard Centre, Herald Park, Herald Drive, Crewe, Cheshire, CW1 6EG. Radius Insurance Solutions is a trading name of Joseph W. Burley & Partners (UK) Limited (registered company number 3668469 and FCA reference number 300425) and Milestone Insurance Consultants Limited (registered company number 04587285 and FCA reference number 307191). Authorised and regulated by the Financial Conduct Authority.