Commercial Combined
The core policy for established businesses — premises, contents, stock, liability and business interruption combined under one wording that actually matches your operation.
Cover for people in your position
A starting point, then tailored to you
Cover varies by insurer and by your circumstances — this is the shape of it. We'll confirm exactly what's included before anything is bound.
What you get with Clapton
Interruption cover that holds up
Indemnity periods and sums based on how long recovery would really take — the most common gap we fix.
One renewal, one wording
Everything aligned on one policy, so nothing falls between the cracks of separate covers.
Presented to insurers properly
We present your risk in detail — better information means better terms and fewer surprises.
Commercial Combined: the questions we're asked
Packages are fixed bundles for simple risks. Commercial combined is built section by section around your business, with limits set to fit.
Usually 24–36 months, not the 12 most businesses default to — rebuilding, refitting and winning customers back takes longer than people think.
Often, for larger risks. We attend, manage any risk requirements and make sure they're reasonable and affordable.
You may also need
Ready to talk about commercial combined?
A short conversation tells us more than any form. We'll come back with cover built around your risk.