The Importance of Annual Insurance Reviews
An annual insurance review is one of the most effective ways to check if your current cover remains aligned with your business’ needs. Over the
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Commercial Combined Insurance
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How We
Can Help
At The Needham Group, your business is important to us. Whatever the size of your business, we pride ourselves on providing a business insurance solution at an affordable price. We compare and search our panel of commercial insurers to find cover that meets your needs and helps you be protected from the unexpected.
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Commercial Combined Insurance
The Needham Group's Brokers are experienced & Knowledgeable Insurance Professionals
A Commercial Insurance Package could save you time and money by housing several types of covers into one easy to manage policy.
You may need a variety of different policies to cover the range of risks faced by your business. This can make arranging your Commercial Insurance a real hassle. With so many different kinds of cover available, it can be hard work sorting out what you really need, let alone getting quotes for it all.
That’s why you can rely on us to search the market, discuss levels of cover and ask questions to insurers on your behalf.
“Alone we can do so little; together we can do so much.”
Helen Keller
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know your Business
A Commercial Insurance Package makes a number of different covers available through a single policy. Most of the covers in the policy are available on an optional basis so you can pick and choose the elements of cover that’s suitable for you and your business.
01
Complete online enquiry form
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We compare to get you a quote from panel of insurers
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We send you your documents out on the same day
we can assist you with your insurance needs
Complete our enquiry form today for your free business insurance review
We help you every step of the way
Commercial combined Insurance can Include:
- Employers Liability Insurance: If your business has employees, then Employers Liability Insurance is a compulsory insurance policy. Employers Liability Insurance provides cover towards for compensation claims should an employee suffer any physical injury or death, while working for your business.
- Public Liability Insurance: Providers cover towards claims made by members of the public as a result of injury or damage to them, or their property, caused by your business.
- Tools Cover: If you run your own business and rely on your tools for your income, then this part of the policy can provide cover towards theft or damage of your tools.
- Business Contents Cover: Contents insurance provides cover towards your business against damage or loss to your stock, machinery and contents. Your business’ equipment can be covered by a contents insurance policy.
- Legal Expenses: Your business may find itself involved in a legal dispute such as an employment tribunal or as a result of a tax or VAT investigation. Legal Expenses insurance can provide cover towards the legal costs that are incurred when defending an action against your business.
Protecting your business from risks such as public liability, product liability and loss of money. A commerical combined policy can also provide cover such as business interruption, material damage, engineering breakdown and damage to stocks and contents. Having the right commercial insurance in place can provide protection towards you, your employees and your company.
If you ever need to claim on your commercial combined insurance, please follow this process:
- Report the insured event to your insurer using the claims number provided, taking note of key dates, times, important facts and information on what has happened. If something serious has happened, such as theft or malicious damage, please contact the police immediately.
- Then, check your commercial combined insurance policy and ensure that you’re covered for what has happened.
- When going through the event with your insurer, it’s important that you have your policy document, receipts for anything stolen or damaged and any information that you feel will help explain your case to hand.
Business owners choose commercial combined insurance policies because they can provide greater flexibility in covering a range of different risks under one policy. For example, employers’ liability cover, professional indemnity and public liability can all be included, as well as more specific policies for your business, such as stock or business interruption cover.
Spring Home Maintenance
As the warmth of spring approaches, its easy to forget the damage that harsh winter may have done to your house. A bit of spring
Welcome Black Lion Broking Services Ltd!
At the end of December 2025, The Needham Group acquired Black Lion Broking Services. Black Lion Broking Services was founded in 2016 and is owned