Commercial Combined Insurance

CHAS Insurance has a number of specialist schemes for Commercial Combined and Small Business Insurance for all types of trade.

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Commercial Combined Insurance

At CHAS Insurance, we arrange commercial combined insurance for UK contractors and trades businesses of all sizes. A commercial combined policy provides a range of comprehensive business cover within a single policy. It’s ideal for smaller businesses and is a cost-effective way to safeguard your company against many aspects of insurance risk.

At CHAS Insurance, we work with businesses accredited by CHAS, Gas Safe, NICEIC, Safe Contractor, SMAS Worksafe and Constructionline. We understand the risks your industry carries and tailor policies to your requirements.

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What is Commercial Combined Insurance?

A commercial combined insurance policy brings together multiple types of business cover into a single and manageable policy. Rather than arranging separate policies for each area of risk, a combined policy lets contractors and trades businesses build the cover they need in one place.

It is a practical solution for businesses that need more than just a basic liability policy. Public liability, employers’ liability, material damage, business interruption and stock cover can all sit within one policy. This gives businesses a complete picture of their protection at renewal time.

Cover is available for:

Employers’ Liability
Public Liability
Burglary and theft
Material damage
Product liability
Business interruption
Stock
Goods in transit
Money

At CHAS Insurance, we tailor your commercial combined insurance policy to the specific requirements of the business. That means you are not paying for cover you do not need, and you are not left exposed in areas that actually matter to your trade. Cover can be extended or adjusted to reflect the nature of your work, the size of your workforce and the value of your equipment or stock.

See What Our Customers Say

Corporate

“Running a construction business comes with enough challenges, so having a broker who makes insurance simple is a huge relief. They explained everything clearly, found us the right cover, and are always on hand when we need them. It gives us real peace of mind on every job.”

Kelly, Creative Building Projects Ltd

Tradesman

“Reliable, knowledgeable, and easy to deal with. They understand the construction industry and made sure we had the right cover in place from day one. Highly recommended.”

Tom, Do It All Construction

Corporate

“CHAS Insurance have been our ‘go to’ broker for the past 6 years and have always provided a stress-free renewal process with very competitive rates.”

Steve, Valley Provincial Ltd

Tradesman

“As a small business owner, having the right insurance is essential. They took the time to understand our needs and tailored a policy that gives us real peace of mind. Their customer service is responsive, friendly, and genuinely helpful. It’s refreshing to deal with an insurance provider that actually cares.”

Adrian, Padmans Builders

Corporate

“As a business, finding reliable insurance is non‑negotiable, and this company exceeds this. Their team take the time to understand our operations, identify potential risks, and build a policy that fits how we work—not just a generic package. The best part about our experience with Chas Insurance is that they always go above and beyond to make sure our needs are met and they are very responsive to any questions we may have.”

Sandra – Electroplan

Tradesman

“CHAS Insurance provided us with excellent service when arranging our liability insurance. They secured great cover at a competitive premium and made the whole process straightforward and hassle-free.”

Pankhurst & Clark Tiling Contractors Ltd

We work with contractors accredited by the following organisations…

Frequently Asked Questions

Is Commercial Combined Insurance the Same as Public Liability Insurance?

No. Public liability insurance is one component that can sit within a commercial combined policy, but the two are not the same thing. Public liability insurance covers your business if a third party, such as a client or member of the public, suffers injury or property damage as a result of your work. A commercial combined policy is broader. It can include public liability alongside employers’ liability, material damage, business interruption, theft, stock, goods in transit and more, all within a single policy document.
What is an Example of Commercial Combined Insurance?

An example of commercial combined insurance would be a building contractor with a team of employed tradespeople who work across multiple client sites. Their commercial combined policy might include public liability to cover injury or damage claims from clients, employers’ liability to meet their legal obligations as an employer and material damage cover for plant and equipment.

All of those covers sit within one policy rather than being separate policies with different insurers and renewal dates to track.
Is Commercial Combined the Same as Business Insurance?

Commercial combined and business insurance are often used interchangeably, but there is a practical difference. Business insurance is a broad term that can refer to any number of individual policies, from public liability to professional indemnity to fleet cover.

Commercial combined insurance is a specific type of policy structure that brings several of those covers together into one document. It is designed for businesses that have more than one area of risk to manage and want a single, joined-up policy rather than multiple separate ones.