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Commercial Combined

Commercial Combined Insurance for UK SMEs

Protect your business with one flexible insurance policy

Whether you manufacture products, wholesale goods, import stock, distribute throughout the UK or simply operate from offices, workshops or warehouses, a Commercial Combined Insurance policy can provide the core protection your business needs in one convenient package.

 

The main advantage is that premiums are often significantly lower by avoiding minimum premiums charged on individual policies.

 

At Munro Greenhalgh, we have been arranging commercial insurance for UK businesses for over 100 years. We work with many of the UK’s leading insurers to arrange insurance solutions tailored to your business, helping protect your premises, equipment, stock, employees and legal liabilities.

 

Request a quotation today and speak directly with an experienced commercial insurance adviser.

What is Commercial Combined Insurance?

Commercial Combined Insurance (sometimes called a Business Combined Insurance policy or SME Package Insurance) combines several different types of business insurance into one policy.

 

Instead of arranging multiple separate policies, businesses can often insure their key risks under one contract, making administration simpler and ensuring cover works together.

 

A policy can usually be tailored to suit your business and only includes the sections you actually need.

A typical policy is made up of various types of insurance cover which are designed to cover the standard risks for a particular sector of business, such as: –

 

  • Property Damage & Theft – contents, stock and/or buildings
  • Shop Front & Glass Breakage
  • Business Interruption
  • Loss of Business Money
  • Goods In Transit
  • Public & Products Liability
  • Employers Liability
  • Commercial Legal Protection
  • Personal Accident

Whilst many Insurers offer these types of policies it is important to select the right policy for your needs.

We often find that the policies with the lowest premiums often contain automatic policy conditions and exclusions which you need to understand and adhere to such as Intruder Alarm and Security Conditions, Fixed Electrics, Waste Removal etc.

Sometimes it is better to pay a little more premium rather than incur the cost or inconvenience of implementing required risk protections.

 

That’s where we come in. We have the breadth of knowledge, expertise and experience to find the correct insurance solution at a competitive price with a reputable insurer.

 

Whilst the insurance world is becoming dominated by online facilities and large call centres we firmly believe in providing a ‘local service’ with dedicated points of contact allowing you to build a trusting relationship with us.

 

Once a policy is arranged it doesn’t stop there – we are here at any time to provide you with help and assistance on a day to day service when needed. Hopefully in won’t happen but in the event of a claim, we will manage your claim, protecting your interests throughout.

 

We make it our business to understand your business.

Who is this insurance suitable for?

This type of policy is ideal for many UK SMEs including:

  • Manufacturers
  • Wholesalers
  • Importers
  • Exporters
  • Distributors
  • Warehousing businesses
  • Engineering companies
  • Fabricators
  • Food manufacturers
  • Printing companies
  • Packaging companies
  • Office based businesses
  • Light industrial businesses

Whether your business employs five people or fifty, Commercial Combined Insurance can often provide a flexible and cost-effective solution.

Why choose Munro Greenhalgh?

✓ Established for over 100 years

✓ Winner – British Insurance Awards 2026 Small Broker of the Year

✓ Independent insurance broker

✓ Access to leading UK insurers

✓ Experienced commercial insurance specialists

✓ Claims support when you need it most

✓ Personal advice from real people

✓ Serving businesses throughout the UK

Frequently Asked Questions

What is Commercial Combined Insurance?

Commercial Combined Insurance combines several business insurance covers into one flexible policy designed to protect SMEs.

Is Commercial Combined Insurance compulsory?

No. However, Employers’ Liability Insurance is usually a legal requirement if you employ staff.

Is this suitable for manufacturers?

Yes. Commercial Combined policies are widely used by UK manufacturers and can include property, machinery, business interruption, liability and products liability insurance.

Can wholesalers obtain cover?

Yes. Policies can usually include stock, goods in transit, liability insurance and business interruption.

How much does Commercial Combined Insurance cost?

The premium depends upon factors such as:

  • business activities
  • turnover
  • claims history
  • sums insured
  • number of employees
  • premises
  • security
  • risk management

Can you arrange cover quickly?

In many cases we can obtain quotations within a short period once we have sufficient information about your business.

Looking for Commercial Combined Insurance?

Whether you’re starting a business, reviewing your current insurance or looking for better advice and service, our experienced team is here to help.

 

Contact Munro Greenhalgh today for a no-obligation quotation and independent advice tailored to your business.

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Latest Posts:
Munro Greenhalgh Insurance Brokers receiving the Small Broker of the Year Award at the British Insurance Awards 2026
Award-Winning Insurance Broker – Munro Greenhalgh Wins Small Broker of the Year at the British Insurance Awards 2026
July 9, 2026

Munro Greenhalgh is delighted to have been named Small Broker of the Year at the British Insurance Awards 2026. As an independent commercial insurance broker based in Ramsbottom, Bury, we advise businesses and individuals throughout Greater Manchester, Lancashire and across the UK. Winning this national award recognises our commitment to exceptional customer service, expert insurance advice and outstanding claims support. Whether arranging commercial insurance, liability insurance, professional indemnity, cyber insurance or high-value home insurance, our focus has always been on delivering long-term value rather than simply selling policies.

Read More
Munro Greenhalgh Insurance Brokers receiving the Small Broker of the Year Award at the British Insurance Awards 2026

Award-Winning Insurance Broker – Munro Greenhalgh Wins Small Broker of the Year at the British Insurance Awards 2026

July 9, 2026

Munro Greenhalgh is delighted to have been named Small Broker of the Year at the British Insurance Awards 2026. As an independent commercial insurance broker based in Ramsbottom, Bury, we advise businesses and individuals throughout Greater Manchester, Lancashire and across the UK. Winning this national award recognises our commitment to exceptional customer service, expert insurance advice and outstanding claims support. Whether arranging commercial insurance, liability insurance, professional indemnity, cyber insurance or high-value home insurance, our focus has always been on delivering long-term value rather than simply selling policies.

Read More »
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