A Business (or more commonly called, Commercial) Combined Policy provides a range of insurance protection on a single policy, provided by one insurer, with one renewal date.

A policy could typically include, but not necessarily be limited to the following cover sections: Property Damage (covering business assets), Business Interruption, Employers, Public and Products Liability, Goods in Transit and Money.

Having all covers under a single policy not only simplifies the process, with one annual renewal date, but it also ensures there are no gaps or overlaps, as one insurer provides all cover.