Commercial combined
Property, business interruption and liability requirements considered within a combined policy. The sections included depend on the business and the insurer’s terms.
About commercial combined ↗Commercial insurance
Commercial insurance. Built around your business.
From shops and offices to contractors, professional firms and vehicle fleets. We arrange commercial insurance around your activities, premises, people and responsibilities.
A renewal, a change or a new requirement?
Commercial insurance
The main policies
we arrange.
Commercial combined is one policy type within a wider range. The right arrangement depends on what your business does and the responsibilities it carries.
Commercial liability
Discuss the liabilities arising from your activities, premises, staff and contact with customers or the public. We explain the scope and limits of the proposed cover.
Discuss this coverContractors liability
For contracting businesses and trades. Tell us about the work undertaken, the people involved, subcontractors and any contractual insurance requirements.
Discuss this coverShops & retail
Discuss your shop, stock, equipment, staff and trading activities, including any changes to how or where you sell.
Discuss this coverOffices
Cover considered around your premises, contents, equipment, people and activities, with any business interruption requirements discussed.
Discuss this coverCommercial motor & motor fleet
Insurance for commercial vehicles and fleets. We consider the vehicle types, drivers, business use and operating arrangements.
Commercial vehicles & fleets ↗Professional indemnity
For businesses providing advice, designs or professional services. Explain what you do, who your clients are and any contractual insurance requirements.
Discuss this coverDirectors & officers
Discuss the responsibilities of company directors and officers and the potential need for management liability cover. The insured roles and policy terms need careful review.
Discuss this coverProduct availability and terms depend on the activity, the individual risk and insurer agreement. GCIS arranges general insurance only.
Cyber insurance / Startups & growing businesses
Bespoke cover.
For a business built on technology.
From your first customers to your next stage of growth, your insurance should reflect the business you are building. We help arrange cyber cover around your operations, data and contractual requirements.
We consider the available cover and any specialist input needed for your business. Terms remain subject to insurer agreement.
Clear advice
Understand the cover
behind the quotation.
We consider your activities, premises, people and planned changes. Limits, exclusions, conditions and excesses matter alongside the premium.
Is commercial combined the same as commercial insurance?
Commercial insurance is the broader category. Commercial combined is one type of policy within it. Some businesses need separate policies for particular risks or responsibilities.
How are recommendations reviewed?
The team obtains quotations, with senior review and sign-off before recommendations are sent. Recommendations, limits, exclusions and conditions are communicated by email.
Is the lowest premium your starting point?
Our focus is personal service and the quality and suitability of the policy. Premium forms part of the discussion alongside the cover, limits, exclusions and conditions.
Can I purchase cover on the website?
No. Start with an enquiry and the team will explain the next steps. Cover must be agreed and confirmed through the appropriate insurance arrangements.
A direct conversation
Let’s begin with what matters to you.
A renewal, a change or a new requirement. Start with a brief outline.