Commercial combined insurance is the most comprehensive form of business insurance

available, covering your property, your contents, your income and your liabilities within a

single, coherent policy. For businesses with real assets, real employees and real exposure,

getting it right matters. Haxon arranges commercial combined cover for established businesses

across Sussex and beyond, with whole-market access to find the most appropriate policy for

each client’s specific risk.

We do not believe in standard products adapted to fit. We believe in understanding your business

properly before approaching any insurer, and in arranging cover that reflects the reality of how

you operate.

Commercial insurance arranged once and forgotten is rarely adequate.

The most common problem Haxon sees when reviewing a new client’s existing commercial cover

is that it was arranged accurately at outset and has not been meaningfully reviewed since. Sums

insured drift below where they should be. Business interruption periods are set for twelve months

when recovery from a major loss would take two or three years. Liability limits set five years ago

no longer reflect the size and nature of the business today.

Haxon reviews your commercial combined cover every year with genuine care, checking sums

insured against inflation, reviewing activities and exposures for material changes, and returning

to market proactively where better terms are available.

What should commercial combined insurance cost?

Commercial combined insurance is priced based on the specific characteristics of your business, your premises, activities, turnover, claims history and the level of cover required. Because

Haxon accesses the whole market, including Lloyd’s of London and specialist commercial

insurers, we consistently secure competitive terms for clients across a wide range of business

types. The only way to understand what your cover should cost is to have it properly reviewed.