Commercial Combined

Combined Business Insurance provides a tailored solution for your Insurance needs in one policy. This single policy includes many or all of the separate Insurances a medium to large company would need to cover (excluding motor). It is an umbrella term for a single policy which combines a number of the individual business Insurances into one policy. Where the business is larger or a specific trade, the policy can be tailored to suit all the individual needs of that Business. The cover can include the following:

  • Buildings and Content – cover for commercial property and/or the contents of that property including machinery, stock, computer equipment, office equipment .etc.
  • Employer’s Liability – cover against your liability for injuries to employees at work. This is a legal requirement
  • Public and Products Liability – covers injury or damage to others resulting from negligent business activities
  • Business Interruption – protection for your reduction in income following serious loss or damage
  • Money – cover for cash held on the premises or by an authorised employee
  • Goods in Transit – cover for theft and accidental damage to goods whilst in transit
  • Computers – specialist cover available for breakdown, loss of data and increased costs

We will discuss your requirements and identify any risks that could affect your business, and then arrange an appropriate policy. This is suitable for businesses where an ‘off the shelf’ policy may not be adequate. As most of our clients fall into this category, we have a wealth of experience in this area. Combining this with our wide access to a range of insurers means we can provide a competitive way to protect against a range of risks that your business is exposed to.


"Just to say it’s been a pleasure doing business with you which makes a refreshing change in this crazy world we live in."

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We passionately believe that good service does not occur annually at renewal time, but all year round. Our experienced staff are on hand to provide advice and guidance on all types of claims.

MID Information & Updates

MID Database update information for insurance providers
Use the information in this table to update records held on the MID Database - Note this is for Motor Fleet and Motor Trade policy holders only to update the UK Motor Insurance Database.
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© Fletcher Smith Insurance. 2019. Terms of Business Agreement

East Pennine Insurance Consultants Limited is authorised and regulated by the Financial Conduct Authority under register number 506481 and holds Interim Permission as a Credit Broker (interim permission number: 634031). East Pennine Insurance Consultants Limited does not charge any fees to customers in relation to Credit Broking activities.