All-in-one business insurance
Manufacturers, wholesalers and more — manage all your essential business covers under one policy that’s built around what you do with our commercial combined insurance.
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Multiple risks? One policy.
From people and premises to products, processes and patrons, running a business usually means juggling lots of moving parts. And when there are variables, there are often risks.
That’s why it can make sense to bring your business insurance together under one policy, with optional extras that reflect the specific risks your business faces.
*10% of Superscript customers paid this much, or less, between July and September 2025
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As you'd expect, T&Cs apply.
Why combine multiple insurance policies?
Commercial combined insurance is designed for SMEs and growing businesses. It’s built to protect day-to-day operations from a wide range of risks faced by businesses that have:
- A mix of physical premises, tools, equipment, products or stock
- Employees, contractors or sub-contractors
- Dealings with the public and third parties
- Work that’s performed either on or off-site
- Concerns about unexpected disruptions, like fire and flooding
Who is this insurance for?
This insurance covers manufacturers and wholesalers across a wide range of industries — including soft furnishings, wood, plastics, metals, food and drink, concrete, ceramics and paper products and more.
It also extends to certain engineering trades and businesses within the arts and creative sectors, along with a number of other specialist types.
We’ve included a few examples below, but this isn’t a full list. If you can make it or sell it in bulk, we can usually help you find the right cover (subject to underwriting acceptance, and terms may vary for certain trades).
Who we cover
The trades, sectors and businesses we help.
And if your trade isn’t listed, simply click ‘start your quote’ below and search for it.
Be quote confident. We'll beat the price of any like-for-like quote. T&Cs apply.
What covers does commercial combined insurance include?
Whether you're in manufacturing, wholesale, engineering or distribution, your policy can be built from a range of covers to match your needs.
As with all insurance, covers are subject to underwriting and eligibility criteria (e.g. turnover, location, business size).
Covers to consider
Public liability insurance is standard, but here are some of the covers that can be included in your insurance.
Public liability
Protection that’s designed to cover claims made against you by members of the public for property damage and accidental bodily injury, illness, disease or even death as a result of your work.
Product liability
Like public liability insurance, this is designed to cover injury and damage claims from third parties, only it specifically covers the products you've supplied, even after they've left your hands.
Employers' liability
Often (but not always) a legal requirement for most UK businesses with staff, it’s designed to cover your legal responsibility if an employee is injured or becomes ill due to their work.
Business equipment insurance
Protects portable business equipment — such as laptops, tools or specialist kit — even when used away from your premises, including abroad.
Goods in transit insurance
While your transactions may take place online, you will of course still be delivering your products to customers, which involves transporting your goods in vehicles. If you include stock cover in your policy, then your insurance will include cover of up to £5,000 for your products whilst in transit in your own vehicles.
Business interruption insurance
Helps keep your business afloat if you’re forced to pause trading due to insured damage, with cover for lost income and fixed costs.
Buildings, contents and stock
This cover is designed to protect your business premises, contents and stock against damage, theft and certain types of accidental loss. It can also include cover for employees’ belongings and costs related to repairs, rebuilding and tracing leaks.
Legal protection
Covers legal defence costs if you're investigated or prosecuted for things like health and safety breaches.
What’s not included with this cover?
Commercial combined insurance includes a range of features, but as with all policies, there are some terms, conditions, exclusions and limitations, which include:
- Money
- Live animals
- Medically prescribed products
- Faulty or unsafe products
- Second-hand electrical goods
- Repairs and installations
- Products that don’t meet UK health and safety requirements
- Businesses that allow alcohol consumption on site
- Wear and tear to stock and contents
- Businesses with large deep fat fryers (over 3 litres)
- Shops selling high-value items
- Shops selling safety-critical items (e.g. car parts)
Once you've completed a quote, you'll be able to view a summary of cover. Please always refer to your policy documents for full details around exclusions, terms and limits of your customised cover. Read our guide to understanding your policy documents.
Claims examples
No matter your line of business, insurance claims are different for every type of industry. Here’s some examples of the types of claims that could involve legal or compensation costs.
Always remember that terms, conditions and exclusions apply. Also, it’s worth noting that settlement times may vary depending on the complexity and evidence required.
The smash
While in your workshop, a visiting client slips on a wet floor while you’re making and bottling soft drinks, despite a sign being next to it. They’re unharmed, but they dropped their laptop and smashed the screen.
The public liability aspect of your commercial combined cover would seek to cover the repairs or replacement of the broken laptop in a successful claim.
The crash
You’re delivering some stock between your warehouse and a customer’s shop. You’ve arrived and start unloading the boxes when someone crashes into you causing you to drop several boxes, damaging the stock inside.
Thankfully, you’ve got goods in transit insurance, and stock cover as part of your insurance, which covers items accidentally damaged in transit.
The bash and gash
You own a precision engineer business, and a faulty CNC component causes the machine to malfunction. A colleague is injured in the incident, suffering a head injury and severe cuts to their hand and arm. They’re signed off work for several months after corrective surgery.
Fortunately, your policy includes employers’ liability cover, which covers the claim made by your employee.
Commercial combined insurance FAQs
What is commercial combined insurance?
Commercial combined insurance is a policy that brings together multiple types of business cover under one plan. It’s designed to protect against a wide range of risks and streamline your insurance admin.
What’s the difference between this and a standard business insurance policy?
A standard policy might cover just one area (like [link: public liability]), whereas a commercial combined policy bundles the key covers you need based on your specific risks, with higher limits and more tailored terms if you need them.
What types of businesses might want commercial combined insurance?
This type of cover is for businesses that face risks:
- Working with physical premises, tools, stock or machinery
- Employing staff or contractors
- Regarding their potential liability in an accident (e.g. if customers visit your site or you supply physical products)
- Where disruption means they need financial protection following a fire, flood, or equipment loss
Does it cover tools or stock?
Yes, this insurance can cover your tools and stock.
Tools damaged, lost or stolen while being used at your work premises fall under your contents insurance, whereas your ‘all risk’ insurance covers off-site incidents. You can also choose to insure portable kit worldwide.
If the tools in question are ones you’re selling — as opposed to using — they’ll be protected by your stock cover.
What’s included in business interruption cover?
If you're unable to operate due to insured damage, like a fire or flood, this part of your policy can cover lost income, staff wages, research projects and even unpaid invoices.
Can I cover work done off-site?
Yes, if your work involves occasional manual work away from your premises, like installations, trade fairs or site visits, this can be included.
Does it cover legal costs?
Yes it can. If you face a regulatory investigation or court proceedings due to your business activities, prosecution defence cover would include legal representation and costs.
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Individual cover purchased online is offered on a standardised, non-advised basis and is not bespoke. Terms, conditions and coverage limits are predetermined by the Underwriter. If you require bespoke coverage offered on an advised basis, please contact our in-house broking team.
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The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.
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