SME - Combined and Combined All Risks

Our policy conveniently combines your business’ main insurance needs (material damage, business interruption, employers' and products liability) in one policy. Plus we offer extra cover for book debts, money and goods in transit.

  • 'All Risks' cover with the option to include sprinkler leakage, subsidence, glass and terrorism if needed.
  • £5 million limit of indemnity capacity for public/products liability.
  • Dedicated underwriters for each individual quotation.
  • Optional extras.

Combined and Combined All Risks Policy Summary »
Combined Policy »

Combined All Risks Policy »
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    Why choose Zurich?

    • Experienced team.
    • Regional presence across the UK with access to decision-makers.   
    • Our First Response unit provides access to dedicated claims handlers with specific expertise through one single telephone number.   
    • A strong appetite for portfolio development with a unique and tailored Altitude solution.
    • Our dedicated salesforce is there to help you develop SME as well as your overall General Insurance portfolio.  
    • Our catastrophic personal injury team proactively manages large PI claims. 
    • Our specialist claims units includes subsidence, fine art and occupational disease expertise.
    • Our forensic motor engineers enable us to successfully obtain reimbursement for fires arising due to manufacturer faults.
    • Tailored service for more complex business.

    Employers' Liability Register.

    FSA regulations require us to publish details of all Commercial employers' liability policies we enter into, renew or under which a claim is made, on or after 1 April 2011. Zurich Insurance plc is a member of the Employers' Liability Tracing Office and details of all such policies are available on the tracing office's website, which can be found at http://www.elto.org.uk/.

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    Zurich Insurance plc, a public limited company incorporated in Ireland. Registration No. 13460. Registered Office: Zurich House, Ballsbridge Park, Dublin 4, Ireland. UK Branch registered in England and Wales Registration No. BR7985. UK Branch Head Office: The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire PO15 7JZ.

    Authorised by the Central Bank of Ireland and subject to limited regulation by the Financial Services Authority. Details about the extent of our regulation by the Financial Services Authority are available from us on request. FSA registration number: 203093. These details can be checked on the FSA's register by visiting their website www.fsa.gov.uk/fsaregister or by contacting them on 0845 606 1234.