Landlords – Are you covered?
20 March 2022
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With the rise in property being rented out, the thought of not having appropriate cover can be a worry that is something we could all do without.
we will do it together
Commercial Combined Insurance
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How We
Can Help
At Needham Insurance, we pride ourselves in providing you with the best and more cost effective cover you need. We have access to many policies and compare so that you do not have to. Our comprehensive knowledge in all insurance fields means that we will be able to help you every step of the way.
helping you with your Business
Commercial Combined Insurance
Needham Insurance is a specialist insurance broker for Commercial Combined insurance
A Commercial Insurance Package could save you time and money by housing a number of covers into one easy to manage policy document.
You may need a variety of different policies to cover the range of risks faced by your small business.This can make make arranging your Commercial Insurance a real hassle. With so many different kinds of cover available it can be hard work sorting out what you really need, let alone getting quotes for it all. A Commercial Insurance Package combines the insurance a business typically needs into one convenient policy.
“Alone we can do so little; together we can do so much.”
Helen Keller
plan of action
know your Business
A Commercial Insurance Package makes a number of different covers available through a single policy. Most of the covers in the policy are available on an optional basis so you can pick and choose the elements of cover that are right for you and your business.
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Complete online enquiry form
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We compare to get you the best quote
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We send you all documents immediately
we will assist you with any insurance needs you have
Click on the link below and complete the enquiry form today
We help you every step of the way
our Commercial combined Insurance Includes:
- Professional Indemnity insurance: If your business has employees then Employers liability insurance (EL) is a compulsory insurance policy. Employers Liability insurance provides cover for compensation claims should an employee suffer any physical injury or death, while working for your business.
- Public Liability Insurance: Public Liability insurance covers you for claims made by members of the public as a result of injury or damage to them, or their property, caused by your business. It also covers legal fees and other expenses incurred when defending a claim. See the Public Liability insurance page for more details.
- Tools Cover: If you run your own business and rely on your tools for your income, then this part of the policy will cover the tools you use against theft or damage. If your tools are stolen then tool insurance will cover the cost of replacing them allowing you to get back to work as soon as possible.
- Business Contents Cover: Contents insurance covers your business against damage or loss to your stock, machinery and contents. Anything the business needs to function properly should be covered by a contents insurance policy. You can find more details about this cover on our Contents insurance page.
- Legal Expenses: Your business may find itself involved in a legal dispute such as an employment tribunal or as a result of a tax or VAT investigation. Legal Expenses insurance covers the legal costs (barristers and solicitors’ fees and expenses, the cost of expert witnesses and court costs) incurred when defending an action against your business.
Protecting your business from risks such as public liability, product liability and loss of money, commercial insurance can also cover you against business interruption, material damage, engineering breakdown and damage to stocks and contents. Especially where stock and products are fundamental to your business and its operations, commercial combined insurance ensures that the effect of any damage, theft or losses are minimal and you can resume functionality as soon as possible. Having the right commercial insurance in place protects you, your employees and your company from expensive cases, and reduces reputational damage too.
If you ever need to claim on your commercial combined insurance, please follow this process:
- Report the insured event to your insurer using the claims number provided, taking note of key dates, times, important facts and information on what has happened. If something serious has happened, such as theft or malicious damage, please contact the police immediately.
- Then, check your commercial combined insurance policy and ensure that you’re covered for what has happened.
- When going through the event with your insurer, it’s important that you have your policy document, receipts for anything stolen or damaged and any information that you feel will help explain your case to hand.
Business owners choose commercial combined insurance policies because they provide great flexibility in covering a range of different risks under one policy. For example, employers’ liability cover, professional indemnity and public liability can all be included, as well as more specific policies for your business, such as stock cover, or business interruption cover.
