One policy for everything your business needs
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.
Get a commercial combined quote
Who we help
Retail & Hospitality
Shops, restaurants, and cafés need comprehensive protection against stock loss, liability claims, and business interruption from unexpected events.
Offices & Services
Professional services, consultancies, and office-based businesses benefit from tailored cover for their specific liability and property risks.
Warehouses & Distribution
Storage facilities and logistics operations require robust cover for large stock values, equipment, and the consequences of goods in transit.
What's included
Buildings & Contents
Cover for your property structure, fixtures, and stock or equipment inside. Includes accidental damage options and automatic inflation protection.
Public Liability
Protection if your business causes injury to customers or damage to third-party property. Essential for any business with public contact.
Employers Liability
Legal requirement if you employ staff. Covers compensation claims from employees for work-related injury or illness.
Business Interruption
Protects lost profits and fixed costs if you can't operate due to insured damage, such as after a fire or flood.
Money & Goods in Transit
Cover for cash, cheques, and stock whilst in transit or at your premises. Important for retailers and service businesses.
Equipment Breakdown
Covers repair or replacement of essential machinery and business equipment, plus resulting loss of income.
Why choose Forum
Tailored Policies
We don't offer one-size-fits-all. Every policy is built around your specific business risks, with optional covers you can add.
Specialist Markets
Our relationships with leading insurers give you access to tailored rates and terms that reflect your genuine risk profile.
One Renewal Date
Managing multiple policies is a headache. One combined policy means one renewal date, one broker conversation, and one payment.
Claims Advocacy
When claims happen, we manage the process on your behalf — liaising with insurers, chasing documents, and fighting your corner.
Frequently asked questions
What's actually included in a commercial combined policy?
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.
Do I need separate policies instead?
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.
What's business interruption cover and do I need it?
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.
Are there minimum requirements or eligibility criteria?
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.
What does commercial combined insurance cost?
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.
What our customers say
"Forum made the whole process simple. One call, one policy, one renewal date. Best broker decision we've made."
— Sarah T., Retail Manager