Moving up a level of risk, and therefore a more complete business insurance policy, we have the commercial combined policy which generally covers all small business operations not covered by the previously discussed business insurance policies.

You may be a factory operation or a manufacturer of goods and therefore work with heavy machinery. For example:

• biscuit factories
• brick manufacturers
• commercial printers

This 'catch all' policy provides liability cover, premises, stock, contents, equipment, business interruption and loss of rent cover. Again, there is capacity to cover computer equipment. Premiums can vary wildly depending on how higher risk the business is considered to be and the level of cover requested.

Before you commence the process for the quote you should be aware of the following points:

1. Different types of business need different types of insurance.
   
   
2. An insurance policy is cost effective and time effective. It saves time by covering all your insurance needs at once and saves you money by using one insurance provider for all of your needs.
   
   
   
   • An insurance policy is an umbrella of individual insurances
     
     
   • Individual insurances vary from protection against employee injuries to replacement of stolen stock
   
   
   
3. First we will establish your type of business and the day-to-day risks you are exposed to.
   
   
4. Then you will obtain quotes from several leading insurers based on your specific business needs
   
   
5. Several insurances are mandatory. Some are not. You can elect not to take them if you wish.

To get a quote on this product phone us on 0870 749 4120