Commercial Combined Insurance
Professional Business Insurances for All Types of Commercial Combined Insurance.
We have dedicated insurance handlers for all industries that will always be on hand to help from start to finish.
An independent UK broker with access to more insurers and prices than most others.
Professional Business Insurances for All Types of Commercial Combined Insurance.
Welcome to Commercial Combined Insurance from AIC
We have specialised in covering all types of businesses for their insurance needs for many years and have expert knowledge and a dedicated team on hand. We have a large of panel of insurers where we can cover all trades within the business sector, from national house builders to solicitors to distributors. We always strive to offer quick quotations and competitive premiums.
Whilst we always recommend you call us, thereās an option to complete a full quote proposal form which you can simply download using the full quote form button, then our accurate price is ready to go on cover at your request.
How can you help to keep premiums down?
Itās the obvious things when you think about it, but sometimes the issues are forgotten or put back as less important tasks, hereās a reminder from an insurers perspective:
Bespoke package
Whether you need cover for everything or youāre just concerned over one specific piece of cover, we can formulate a bespoke package of insurance around your business.
Dedicated account handler
A dedicated account handler will look after you, from sales through to claims, so youāll always know who youāre dealing with.
Best quote
Our pricing is constantly monitored and from a wide range of insurers, so youāll always get the best quote.
Talk to one of our friendly consultants to assess your needs and find a bespoke insurance solution to suit your business.
Whilst you normally have an emergency phone number stated on your policy documents, we always recommend talking to your account handler first.
What type of business insurance do I need?
One of the very first questions you will be asked for an insurance quotation is your trade, as this will determine what covers you will need most. A garage fixing cars will want a motor-trade policy covering them for various customer vehicles in their control, whereas an architect may want Professional Indemnity cover to insure their advice given is protected.
Some insurance cover may be a legal requirement such as Employers Liability for staff, or Third Party cover on any road going vehicles.
Thereās a long list of various types of policy cover available (examples and links below) and we can talk you through their purpose and cost, and feel free to call one of our friendly consultants.
How much does business insurance cost?
There is no quick answer here, although it can be a lot cheaper than people think. For example Liability insurance for a tradesperson starts at under Ā£75 for the year.
Firstly you should think about the risks, and what you want to cover, plus we can help you understand what your legal requirements are, so then your able to form an idea of what your overall cover requirement is. With this information we at AIC can quickly asses cost from our vast array of insurers, to get you the best market price.
Is business insurance a legal requirement?
Some parts of cover are legal requirements, such as the Liability cover section, but most of some insurance packages are just good business sense.
We at AIC can normally offer various cover packages, starting with just the bare bone legal requirements and then build up from there. But itās often just as cheap to buy āoff the shelfā packages of cover that give a wide scope of protection for smaller businesses, than trying to isolate just what is the legal requirement. As always its best to talk to one of our friendly staff, so we can talk you through the options.
Do I still need to disclose claims, convictions, criminal record and bankruptcy to insurers after all these years?
We at AIC always recommend to air on the side of caution, and disclose everything to ourselves, and we can help you decide if this information needs to be told to insurers, which normally it does.
There are different rules to follow from various sources, as an insurer may ask you to declare convictions in the last 10 years, whereas the rehabilitation act may dictate that you donāt need to declare it for more than say 5 years. DVLA may give you a different answer again for motoring convictions! Talk to one of our friendly consultants and let us help you.
Why AIC rather than a price comparison site?
Using a dedicated insurance broker provides benefits completely unseen when using a comparison site. With AIC, youāre afforded your own dedicated account manager who specialises in the cover you are seeking. Getting to know our clients is paramount to our customer service dedication and getting to know you AND your requirements is part of that. When you use a price comparison website, you are quite literally just a number and just a click-cost.
Why do you ask so many questions?
With any type of cover it is important to present insurers with all the information that will or could possibly affect the way they look at the risk. If this is not provided, insurers have the right to walk away from a claim, to change terms at the time of a claim, or reduce an amount paid depending on which law the insurance adheres to.
A good insurance broker (like AIC) should not be afraid to ask the right questions of a potential policy holder, or suggest ideas that will help in the risk management of the cover in question. Insurance is there to help you in the event of a problem, and it makes no sense to cut corners on something so important. Weāre here to help you!
Do you have a call centre?
We hate call centres as much as you! Our phones will never be answered by a call centre and only by a staff member. You only deal with your allocated account advisor, so you know who you will be dealing with every time you need to reach out to us.
Do I have to pay in full or can I do instalments?
There are two main ways you can pay your insurance: the full sum to cover the next 12 months upfront, or in 12 monthly instalments over an annual period.
The major drawback to monthly payments is paying by instalment usually makes the total cost of cover higher than it would be if you paid in one go. This is because the insurance company is effectively lending you the money to pay the premium, so it will charge you what amounts to interest on the repayments you make across the year.
By paying In full you are clearing your entire payment all in one go, meaning the insurance company wonāt have to lend you the money and you wonāt be due any premiums on the loan.
How can I reduce the cost of my insurance?
Great question and one we can of course help you with! Business insurance premiums are arrived at by the analysis of your likeliness to have a loss. When you apply for coverage, your information will be analysed by an underwriter who is responsible for determining whether or not they will consider writing a policy for you. Each business has completely different circumstances and we highly advise you to get in contact with us so we can understand and advise in the best possible way.
Talk to one of our friendly consultants to assess your needs and find a bespoke insurance solution to suit your business.