July 30, 2026
With increasing numbers of properties across the UK standing empty
- 78 Bridge St, Ramsbottom, Bury BL0 9AG
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.
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: –
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.
This type of policy is ideal for many UK SMEs including:
Whether your business employs five people or fifty, Commercial Combined Insurance can often provide a flexible and cost-effective solution.
✓ 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
Commercial Combined Insurance combines several business insurance covers into one flexible policy designed to protect SMEs.
No. However, Employers’ Liability Insurance is usually a legal requirement if you employ staff.
Yes. Commercial Combined policies are widely used by UK manufacturers and can include property, machinery, business interruption, liability and products liability insurance.
Yes. Policies can usually include stock, goods in transit, liability insurance and business interruption.
The premium depends upon factors such as:
In many cases we can obtain quotations within a short period once we have sufficient information about your business.
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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With increasing numbers of properties across the UK standing empty
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.
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With increasing numbers of properties across the UK standing empty – whether due to probate delays, renovation projects, or a change in circumstances. Many are
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.
Thank you for supporting Munro-Greenhalgh Ltd at our Centenary Gala Dinner on 8 May 2026 at The Village Hotel, Bury, celebrating 100 years in business.
We are delighted (and, yes, well chuffed) to announce that Munro-Greenhalgh Insurance Brokers has been named a finalist in the Small Broker of the Year category
