Contractors Insurance
Independent, FCA-regulated brokers helping UK businesses bring essential cover together into a single policy. Access to 50+ insurers, friendly advice, and our own in-house claims team if you ever need it.
Protect your business with a commercial combined insurance solution
Running a business is hard enough without having to juggle multiple insurance policies. But that’s where our insurance brokers can make life a bit easier with a commercial combined policy. We’ll help you bring together a range of covers under one policy, protecting your business against common risks while making your insurance easier to manage.
At Glowsure, we’ve been arranging business and property insurance in Hampshire since 2014. As an independent and FCA-regulated insurance company, we can search over 50 insurers for the right cover. You’ll have peace of mind that your new policy is built around what your business actually does, the people you employ, the property and equipment you rely on, and the risks you face every day.
So, whether you run a manufacturing business, warehouse, office, retail operation, or growing SME, we’ll help arrange a combined policy that fits your business and provides the full level of protection you need.
And if you ever do have to claim, our own in-house claims team handles it. We’re only ever a call away.
Is commercial combined business insurance right for you?
If your business has premises, employees, equipment, stock, or regular contact with customers and suppliers, you probably have more than one risk to think about.
Commercial combined insurance is particularly useful for businesses that would otherwise need several separate insurance policies. With it, we’ll help you bring property, liability, business interruption, and other crucial and optional covers together under one policy.
We regularly arrange commercial combined insurance for businesses big and small, including:
Manufacturers and precision engineers
Warehouses and wholesalers
Retailers
Offices
Trades and contractors
Distributors
Growing SMEs
You don't need to know what type of cover you need before speaking to us either. That's the benefit of working with our experienced brokers. Just get in touch, tell us how your business operates, and we'll help you identify the risks worth protecting.
Why choose a commercial combined insurance policy?
Our service is designed to keep things simple. Rather than managing multiple policies, renewal dates, and insurers, you can protect many areas of your business with a single combined policy. Each element is designed to work alongside the others, and with the support of our brokers, you’ll understand exactly what’s included and whether you need any additional cover.
Many of our clients also find it more cost-efficient than buying each section separately.
Tailored business insurance for your organisation with Glowsure
At Glowsure, we start by getting to know your business: what you do, where you operate, how many people you employ, what you own, and what could cause a significant financial loss if something went wrong. From there, we’ll search our market and build the right insurance policy for your business.
Every policy is different, because every business is unique. Depending on your industry sector and risk profile, your commercial combined insurance cover could include some or all of the following:
Property and buildings insurance: Protecting your premises against insured risks such as fire, flood, storm, malicious damage, and accidental damage. Cover can also include debris removal and tenants’ improvements where required.
Business contents and equipment: Helping you repair or replace machinery, computers, furniture, stock, raw materials, and other business equipment following insured damage.
Employers’ liability: If you employ staff, Employers’ Liability Insurance is usually a legal requirement. It covers legal costs and compensation if an employee is injured or becomes ill because of their work.
Public liability: Public Liability Insurance protects you if a member of the public is injured or their property is damaged because of your business activities.
Product liability: If you manufacture, supply, or sell products, Product Liability Insurance can help with claims where a product leads to injury or property damage.
Business interruption: If you can’t trade as normal after an insured event, this cover helps protect your income. It covers lost earnings and some ongoing expenses while you get back up and running.
Legal expenses: Providing support with certain legal disputes and associated legal costs, depending on your policy.
Personal accident insurance: Optional cover that can provide financial support if an insured person suffers a qualifying accidental injury.
We’ll also review your insurance as your business evolves. If you move premises, buy new tools, take on employees, or expand into a new area, just let us know, and we’ll make sure your business stays insured.
Speak to Glowsure about commercial combined insurance
If you’re buying business insurance, you don’t have to spend hours comparing policies or deciphering pages of insurance terminology. Just tell us about your business, and we’ll do the legwork.
With access to more than 50 insurers, we’ll search for suitable insurance for your business type and build it into one commercial combined package, explaining it all so you know exactly what you’re covered for. And if you ever need to make a claim, our in-house claims team will handle the process for you.
Call our friendly team on 01730 239387 or request your free insurance quote online.
Frequently asked questions about commercial combined insurance policies
Commercial combined insurance brings multiple types of business insurance together so you only have to deal with one policy. It means you have the flexibility to tailor your cover to include exactly what your business needs. The exact cover depends on your business size and what you do, but a quick conversation with one of our specialists can help you get an idea of what might be included.
Commercial combined insurance suits many businesses that have various risks to protect. For example, if you run a shop, you could cover your stock, contents, employees, and customers, whereas if you run an office, your cover could include computers, furniture, employees, and visitors.
If you need it, it can. We create combined insurance policies that provide cover for multiple liabilities. If an insured event such as a fire, flood, or other unexpected issue stops you from trading, business interruption cover can protect your revenue while you recover. It’s not automatically added, but we do recommend it in many cases to keep your cash flow stable. We’ll check the level and length of cover with you, so it reflects how long your business could realistically take to get back to normal.
Yes. Some industries are riskier than others, and insurers can apply specific exclusions or conditions to your policy because of this. For example, a manufacturer may need to regularly inspect and maintain specialist machinery or have certain high-risk processes excluded from standard cover. Meanwhile, a retailer could have conditions around alarm systems, locks, CCTV, or how high-value stock is stored when the shop is closed.
We’ll ask detailed questions about your business before approaching insurers, and if any sector-specific exclusions come up, we’ll explain what they mean and what your options are.
What excesses apply, and do they differ by section?
An excess is the amount you need to pay when you make a claim. With a combined insurance policy, different sections have different excess amounts because each type of claim has a different level of risk and cost. We’ll take you through the excesses when comparing your options so you can plan for them.
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Talk to our insurance superheroes today and find out how we can help save you time and money. We make finding the right insurance policy easy!
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Glowsure was recommended to us by another small business in the area. We have several commercial insurances and decided to use Glowsure because of the first class, friendly and personal service they provide. They know the nature of their business inside and out, are informative whenever there's been any queries and are always helpful and super-efficient. Glowsure make the renewal process feel so easy and quotations are always provided way before the given deadline. In the unfortunate event of a claim, the fact Glowsure will deal with everything on our behalf thus freeing up valuable office admin time for our staff is an added bonus that no other brokers have offered. Thank you Glowsure team for an A++ service, we'd recommend you anytime!
We began using Glowsure for our business and contractors insurances. Our business has grown rapidly and changed direction over the last year, leaving us with various insurance needs and a confusing list of policies we needed to procure. Wes has gone above and beyond in his efforts to assist us sorting everything out, countless visits to the office and always at the end of the phone to help answer queries. He has excellent knowledge of the insurance market and nothing has been too much trouble. Thanks Wes and team.