Commercial Combined Insurance in Brighton
Commercial combined is the backbone policy for most Brighton SMEs—but convenience shouldn't mean compromise. The problem we see most often isn't missing sections; it's incorrect sums insured and inadequate business interruption indemnity periods. Buildings insured at market value instead of rebuild cost, gross profit calculated using accounting definitions rather than policy definitions, and 12-month indemnity periods that wouldn't survive a serious fire. We calibrate each section to your actual operations and financial exposure, not last year's schedule rolled forward.
Key points
- Businesses with premises
- Retailers and wholesalers
- Light manufacturing
- Hospitality venues
- Offices and professional practices
- Service businesses with physical assets
Frequently asked questions
- What is commercial combined insurance?
- Commercial combined is a package policy that bundles multiple insurance types together. It typically includes property, liability, and business interruption cover, tailored to your business needs.
- Is commercial combined more efficient than separate policies?
- For most SMEs, yes. Combining sections with a single insurer simplifies administration, aligns renewal dates and reduces the risk of cover gaps between policies. It also gives one claims contact when something goes wrong.
- Can I customise a commercial combined policy?
- Absolutely. Commercial combined policies are designed to be flexible. We can add or remove sections, adjust limits, and include specialist cover to match your specific business requirements.
- How is my business interruption sum insured calculated?
- Business interruption is normally written on a 'gross profit' or 'gross revenue' basis as defined by the policy—not your accountant's definition. We help calculate the correct figure across the chosen indemnity period (commonly 12, 24 or 36 months) so the policy responds in full after a major loss.
This page is part of https://becks.insure/commercial-combined-insurance-brighton. Becks Insurance Brokers is an independent, FCA-regulated commercial insurance broker based in Brighton, advising businesses across Sussex and the UK.