Commercial Combined for Mid-Market

Table of contents

About our Commercial Combined product for Mid-Market 

Our Mid-Market Commercial Combined product offers a series of covers designed to meet the main insurance needs of businesses with a turnover typically ranging between £5 million and £500 million. 

Available covers:

  • Material damage ‘all risks’
  • Business interruption ‘all risks’
  • Money
  • Goods in transit
  • Specified items ‘all risks’
  • Deterioration of stock
  • Computer breakdown (and additional expenditure)
  • Loss of licence
  • Terrorism
  • Employers’ liability
  • Public and products liability
  • Legal expenses

What types of businesses do we cover?

Our appetite includes businesses across these industry sectors.

  • Ceramics, tiles, pottery and sanitary-ware
  • Glass and double glazing
  • Plastics (excluding GRP Processes)
  • Clothing and textiles
  • Wooden furniture and products
  • Machinery and equipment
  • Food manufacture / processing where there is no combustible construction or direct heat
  • Drinks manufacturers such as water, soft drinks, beer and wine manufacture
  • Brick, stone, concrete and plaster
  • Contract packers (excluding aerosols)

  • Precision engineers
  • Metal fabrication including manufactures of tools, fixings and fastenings, wired goods, light metal packaging
  • Structural metalwork and metal construction products
  • Metal vehicles and non-safety critical vehicle parts
  • Fabricated metal products
  • Casting, drawing, rolling, cold forming and folding

  • Food and grocery
  • Dairy produce
  • Soft drinks, beer and spirits
  • Electrical goods and machinery
  • Ceramics and earthenware
  • Builders’ merchants
  • Household goods
  • Clothing and footwear
  • Toys and children’s products
  • Cash and carry warehouses
  • Stationery and books
  • DIY, garden and tool hire

  • Printing publishing (including lithographic flexographic and screen printing)
  • Finishing services
  • Design and pre-press
  • Digital publishing
  • Media marketing agencies
  • 3D printers

  • Electrical components
  • Electronic control equipment and cabling
  • Measuring and testing equipment
  • Telecommunications equipment
  • Generators and transformers
  • Non-invasive medical and surgical equipment
  • Optical precision instruments

  • Non-combustible, city centre hotels and conference centres
  • Restaurants, cafes and bars
  • Modern sports stadia (property exposures)
  • Modern bingo halls
  • Gyms, health clubs, modern leisure centres
  • Purpose built cinemas
  • Shopping centres and car showrooms

  • Financial and professional services
  • Property management
  • Clerical-based services
  • Business and management consultancy
  • Hardware and software consultancy
  • Architect and engineering services
  • Market research and public relations
  • Care and funeral homes

Get a quote

Our experienced underwriters are fully empowered to write a broad range of risks. 99% of our underwriting decisions are made locally.

To discuss your clients' needs, get in touch.

Contact regional offices

Commercial Combined documents - Mid-Market

Commercial Combined (dynamic) policy
(385.5 KB/PDF)
Combined ‘all risks’ policy
(1.2 MB/PDF)
Combined summary of cover
(464.8 KB/PDF)
Mid-Market document library

More product information

Make a claim

Property and liability claims can be made online or over the phone. Find out more about the process for each claim type.

Property claims

Find out how to make a property claim or access further guidance about the claims process.

Property claims

Liability claims

Read our liability claims guidance or find out how to submit a liability claim.

Liability claims

Injury rehabilitation

Our injury rehabilitation service helps employees return to work quickly and safely, through a combination of traditional insurance, risk management, and injury management. Find out more about the support we offer, and access tools, guides and other resources.

Injury rehabilitation

Zurich Resilience Solutions

With a dedicated team of risk management specialists, Zurich Resilience Solutions can provide organisations large and small with practical tools, expert advice and tailored support to manage and mitigate risk.

Its suite of risk management services can be purchased independently, your clients do not need to have an insurance contract with Zurich.

Zurich Resilience Solutions

Working with Zurich

Club Blue

We're committed to forging strong partnerships with our regional brokers. Zurich Club Blue members benefit from a range of support focused on three core pillars: ease of trading, professional development, and future-proofing.

Delegated authority

If you’ve got a scheme opportunity, find out about the support we can offer as a delegated authority partner and how to register your interest. 

Resilience risk review for your business

Our business resilience risk review is designed to help identify, assess and manage risks that could impact the continuity and resilience of your business operations as a broker.