Commercial Combined Insurance

At Advance Insurance we have competitive rates with quality covers available for your Business Combined Insurance requirements.


A business insurance policy that can be tailored to meet all the risks associated with the running of your business - from the processes you use and the premises where you work right through to the goods you buy, sell or store.

Depending on the nature of your business, it protects against:

The loss of, or damage to buildings, contents, machinery and equipment.

Liability claims from third parties and employees.

Mechanical Breakdown that disrupts production.

The loss of, or damage to goods in transit.

The costs of implementing a product recall.

Fidelity.

Business Interruption/Loss of Profit

Legal Protection


For further information or to receive a quotation please contact our office on 01249 463206.

An estimated 200,000+ companies across the UK do not have any insurance cover.

A survey by LV Broker has reported that one in 20 small businesses are not protected or don't have public liability insurance, while more than 350,000 have no employers' liability insurance and are in danger of being fined £2,500 a day. 

Businesses who have employees or use labour-only subcontractors must have employers' liability insurance or face being sanctioned by the Health and Safety Executive.

According to LV's claims data, there has been an increase in EL claims against employers.

LV stated that ‘slips and trips' liability now makes up the largest proportion of claims after theft and damage caused by leaks, storms and accidental damage.

The research also revealed that 16% of office-based businesses and 10% of residential property landlords have no cover in place.

To discuss your business' insurance needs, please contact our commercial office on 01249 463206.

Employers Liability and what is classed as an "Employee"

There is a very (understandable) common misconception within the building / tradesman industry with regards to who is classed as an employee in the eyes of the insurers and the law.

There are 4 types of people who could be appointed by a main contractor and I will explain your obligation toward them if you are the main contractor:

Direct Employees
Labour only Subcontractors
Bona-fide Subcontractors
Volunteers/Work Experience

Direct Employees:
These are people directly employed by the main contractor who work for them on a permanent basis. Obviously the main contractor is obliged by law to provide Employers Liability cover for these people.

Labour only Subcontractors (LOSC):
This is one where most contractors get it wrong. These are people who are subcontracted in by the main contractor (as an extra pair of hands) to help the main contractor with the day to day tasks in the contract. These people will usually be working under the main contractors instruction and will be using the main contractors materials. Regardless of if the LOSC is self employed themselves or not and has their own Public Liability policy, the main contractor will still need to cover them as an employee.

To give an example:
A self employed window fitter (John) wins a job to install a large skylight. The nature of the job requires him to contract in his friend (Dave, who is also a self employed window fitter) to help with the installation. Dave will be working under Johns instruction and will also be using Johns materials. As such John will need employers liability to cover Dave in the event that he instructs him to do something that causes him injury.

Bona-fide Subcontractors:
These are people who are contracted in to perform a task that the main contractor wouldn't do themselves. They will not work under any instruction from the main contractor and will use their own materials.
E.g A builder is building an extension on their clients home, he may subcontract work to an electrician to wire the extension up as the builder does not do electrical work themselves. The electrician will price and invoice the job to the main contractor as though the main contractor was a normal client, will not work under any instruction and will use their own materials.

Bona-fide Subcontractors do not need to be covered as employees. It is the main contractors responsibility to ensure that any BFSC they use has their own Public Liability policy in force though.

Volunteers / Work experience
People appointed by the main contractor doing unpaid voluntary work or work experience need to be covered as employees.

These are a general guideline and are under the assumption that the main contractor appoints and pays the 4 categories above. It can be a bit more complicated if the client starts appointing multiple tradesmen themselves.
In any case it is always best to speak to your insurance advisor to ensure you are adequately covered.
For more information on what Advance Insurance do, please see our website www.advanceinsurance.co.uk