Combining your business insurances under a single policy can be an effective way to simplify administration and ensure key covers are in place. One of the most common ways to do this is with a Business Package Insurance policy, which can include:

• Public Liability
• Tools or General Property
• Business Interruption
• Commercial Motor (depending on the insurer)
• Portable Equipment or Stock

This approach makes renewals easier, reduces paperwork, and can help minimise coverage gaps.

However, combining policies is not always the best option. In some cases, such as when arranging Contract Works Insurance, it can be more beneficial to hold separate policies with different insurers. This may provide broader coverage, better policy terms, or a more competitive price. In the trades and construction sector, insurers generally do not offer a bundling discount for combining multiple insurances, so using more than one insurer can often deliver better overall value.

As your broker, we review all available options and act as your single point of contact, even if your insurance is spread across multiple policies and insurers. This ensures you have the right balance between convenience, cost, and protection.

Contact us to discuss your business needs so we can design an insurance structure that works best for you.