Commercial combined insurance brings together all essential business covers into a single policy — buildings, contents, liability, business interruption and more. It's simpler to manage, often better value, and means you have one broker who understands your whole risk.
Shops, restaurants, and cafés need comprehensive protection against stock loss, liability claims, and business interruption from unexpected events.
Professional services, consultancies, and office-based businesses benefit from tailored cover for their specific liability and property risks.
Storage facilities and logistics operations require robust cover for large stock values, equipment, and the consequences of goods in transit.
Cover for your property structure, fixtures, and stock or equipment inside. Includes accidental damage options and automatic inflation protection.
Protection if your business causes injury to customers or damage to third-party property. Essential for any business with public contact.
Legal requirement if you employ staff. Covers compensation claims from employees for work-related injury or illness.
Protects lost profits and fixed costs if you can't operate due to insured damage, such as after a fire or flood.
Cover for cash, cheques, and stock whilst in transit or at your premises. Important for retailers and service businesses.
Covers repair or replacement of essential machinery and business equipment, plus resulting loss of income.
We don't offer one-size-fits-all. Every policy is built around your specific business risks, with optional covers you can add.
Our relationships with leading insurers give you access to tailored rates and terms that reflect your genuine risk profile.
Managing multiple policies is a headache. One combined policy means one renewal date, one broker conversation, and one payment.
When claims happen, we manage the process on your behalf — liaising with insurers, chasing documents, and fighting your corner.
A commercial combined policy typically bundles buildings, contents, public liability, employers liability, business interruption, and money/goods in transit. You can customise which sections apply and add optional covers like equipment breakdown, professional indemnity, or cyber. Your broker will recommend the right combination for your business.
You don't need to. Most businesses benefit from a combined policy because it's simpler to manage, you have one renewal date, and insurers often discount the premium because they're managing less administration. However, very large or specialised businesses sometimes separate out certain covers (like cyber or professional indemnity) for specialist capacity.
Business interruption cover reimburses your lost profit and fixed costs if you can't operate due to insured damage — for example, after a fire, flood, or break-in. If you'd struggle to pay staff, rent, or utilities whilst rebuilding, you should have it. For retail and hospitality, it's particularly important.
Most insurers require your buildings to meet basic security standards (locks, alarms for high-value stock). Some impose minimum turnover thresholds. The best policies are those that fit your exact risk profile, so we always assess your specific situation rather than applying blanket rules.
Cost depends on your industry, premises size, turnover, claims history, and the cover you choose. A small office might pay £500–£1,000 per year; a retail shop with stock might pay £1,000–£3,000. We'll provide a detailed quote after discussing your specific needs.
"Forum made the whole process simple. One call, one policy, one renewal date. Best broker decision we've made."
— Sarah T., Retail Manager