Commercial Combined

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Commercial combined insurance is designed to protect you against risks to your business and can be tailored to your requirements.

There are many risks to your business; some that you can insure against and some, unfortunately, that you can’t.  Our specialist brokers will assess your business and can explain the insurance coverage to you to ensure you know what you are protected against.

Why should you choose a Commercial Combined Policy?

The main benefit of choosing this type of insurance policy is to have a variety of covers within a single policy which is more economically beneficial than having several different policies. 

In having an all in one policy, you don’t need to worry about multiple renewal dates and you have the flexibility to adjust parts of your policy whenever you need to.

What do these policies feature?

Commercial Combined Policies are tailored to your specific requirements to provide a number of covers, all packaged under one policy so you don’t need to buy multiple policies for different elements of your business.

Many factors are taken into account for your combined insurance service, including business size, location, employee numbers, turnover, industry sector, processes, technology and more.

Policy features can include:

  • Cover against material damage and theft whether it be your contents, machinery, improvements you have made to the premises or the building itself
  • Business interruption (loss of income if unable to trade)
  • Employers’ liability (claims arising from injury to employees)
  • Public liability (accidental injury to any person or damage to their property) 
  • Product liability (personal injury or damage to property caused by your product)
  • Warehouse insurance (covers the theft or damage of any stock inside)
  • Cover for tools away from the premises
  • Legal expenses (including employment tribunals)
  • Goods in transit cover
  • Money cover
  • Cover for engineering inspections
  • Personal accident and/or sickness risks
  • Travel

We work with many insurance companies to ensure that we offer policies that meet your needs and requirements and are tailored to the risks you face. Don’t hesitate to contact us in order to get a quotation.

To find out more and to discuss your needs, please contact us on 01274 515 747 or email us at mail@lwood.co.uk

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Property Owners

If you own a property it is important to have appropriate insurance covers in place.
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Business Interruption

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Directors & Officers Liability

In today’s rapidly changing business climate, regulators are increasingly more vigilant about internal controls and corporate governance meaning the need for superior Directors and Officers Liability cover has never been greater.
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Professional Indemnity Insurance

Professional Indemnity insurance will cover expenses incurred in your defence if you are alleged to provide inadequate advice, services, design or specification resulting in your client losing money.
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Cyber Liability & Financial Crime

During the last five years there has been a dramatic increase in the number of cyber attacks and financial fraud to businesses throughout the UK.
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Crisis Management, Kidnap & Ransom

Business people making trips to high risk countries around the globe can put themselves at risk from kidnapping, ransom and other types of crises.
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Terrorism

Have you considered Terrorism Insurance? Did you know that Terrorism cover is a standard exclusion from all UK insurance policies?
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Hauliers/Freight Forwarders Liability Insurance

As a haulier operating for hire and reward or a Freight Forwarder, you are exposed to claims in respect of your legal responsibilities for injury to your employees and public, together with property damage arising from your activities.
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Marine, Transit & Cargo Insurance

Cargo comes in all shapes and sizes and insurance plays a vital role in covering you from a variety of incidents that can occur while in transit.
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Legal Expenses

In the event of legal action, having an insurance policy to cover your costs is vital for your business.
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Computer Insurance

Every business in the world now relies on computer and technology in order to keep its operations on track.
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Employers Liability

Employers’ Liability insurance is a legal requirement and failure can lead to you being handed significant fines.
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Products Liability

Having Product Liability Insurance is essential for your business if you supply a product.
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Public Liability

Public Liability Insurance is essential cover for businesses offering protection against compensation claims if clients, suppliers or the public suffer injury or property damage because of your business.
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Contract Works Insurance

Whether your building project is straightforward or complex, you should have a contract that clearly outlines the project’s essential details.
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Employment Practices Liability

Employee litigation is currently on the rise, making it even more essential to have Employment Practices Liability Insurance in place.
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Engineering Inspection Cover & Machinery Insurance

It is a legal requirement for regular engineering inspections of lifting and pressurised machinery and equipment in your commercial premises.
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Group Travel Insurance

Having company Travel Insurance is beneficial to protect the key people of your business who regularly have to travel.
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Machinery Movement

Machinery Movement Insurance covers you for any installed machinery or equipment in your possession at a specified location.
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Motor Fleet Insurance

Motor insurance is a legal requirement, and Motor Fleet Insurance is a more flexible approaching to insuring vehicles used by a company.
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Motor trade insurance

Motor trade insurance is a vital requirement for anyone buying, selling or running a car garage.
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Shops Insurance

Shop Insurance is primarily designed to provide cover for all areas of a retail business with commercial premises.
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Tradesman Insurance

There are thousands of different tradesmen all with varying needs of insurance due to the levels of risks with their work.
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