Sometimes several covers can be placed with the same insurer or combined within a single policy, but this does not automatically create a multi-policy discount.

Commercial insurance is generally arranged according to the individual risk and insurer appetite.

Combining covers with one insurer #

Depending on the insurer, a single policy can sometimes include several sections, such as:

• Property
• Business Interruption
• Public and Products Liability
• General Property
• Machinery Breakdown
• Theft

Other products may remain separate.

Using one insurer can sometimes simplify administration, renewals, claims involving multiple sections and policy documentation.

However, the most suitable insurer for one risk may not be the most suitable insurer for another.

Price and using multiple insurers #

Different insurers can have different strengths for:

• Professional Indemnity
• Public Liability
• Cyber
• Commercial Motor
• Contract Works
• Management Liability
• Property

Using several insurers can therefore produce a more suitable overall insurance program.

Insurers may take the broader relationship into account when considering terms, but a discount should not be assumed.

The overall comparison should consider:

• Premium
• Coverage
• Limits
• Excesses
• Exclusions
• Insurer appetite

Webber Insurance remains your point of contact even where your insurance program uses several insurers.

Contact our team if you would like to review whether your policies should be grouped or placed separately.