Commercial Combined for SMEs
eTrade via Zurich Online or Acturis
Table of contents
About our SME Commercial Combined product
Our Commercial Combined product combines key business insurance covers into one convenient policy, with up to 15 covers available.
Cover highlights
- All our property covers are average-free
- Material damage cover is on an “all-risks basis” including subsidence
- Material damage cover includes a public authorities clause, which includes the additional cost of reinstatement of undamaged portions of a property to comply with legislation
- Material damage cover also includes a brand protection clause, for reasonable costs incurred in mitigating reputation damage arising from an insured event
- Business interruption cover can be tailored to your clients’ needs. Covers include loss of gross revenue, gross profit, gross fees, and rent receivable, and we provide a free 33.3% uplift on the estimated sum insured figures to allow for the normal fluctuations of the business
- Your clients may also opt for increased cost of working cover, which is most suitable for businesses without fixed premises (particularly office risks)
- Your clients can choose from indemnity periods ranging from 12 to 48 months, to suit the size, usage and construction of their building
- We can cover up to £10 million material damage/business interruption sum insured at each premises
- Public and products liability cover has a choice of limits and includes a data protection extension and product recall cover
- Employers’ liability cover includes a wide definition of employees and cover for public relations expenses
Commercial Combined is a flexible modular product that can be tailored to meet each customer’s unique requirements.
See our summary of cover (under Commercial Combined documents - SME) for more information on cover, limits, conditions and exclusions.
What types of businesses do we cover?
Our appetite includes UK-based businesses that aren’t suitable for our packaged products and have up to 10 locations and £5 million turnover.
This includes the following industries:
- Manufacturing
- Wholesale and retail
- Offices and business administration
- Warehousing
- Sports, leisure and entertainment
- Construction and contracting risks across 2,000 trades
Get a quote
You can get a quote via Zurich Online or Acturis. We’ve been given a five-star rating for both in the Insurance Times eTrading Star Ratings report.
Note:
- Material damage is a mandatory cover on Acturis
- Liability only cover and contractors’ all risks cover is only available on Zurich Online
If you don't have an account and would like to trade with us:
If you have an account with us already, just log in to get a quote.
Why choose our SME Commercial Combined product?
A claims service your clients can depend on
Our dedicated, knowledgeable and empathetic claims handlers are on hand to help.
- We’ll use all our experience to defend and protect your clients’ businesses
- Our expert panel of legal advisers can even provide advice pre-litigation
- Your clients will also have access to Zurich Support Services, a free and confidential health and wellbeing service, offering support ranging from counselling to debt management. Access to Zurich Support Services is not part of an insurance contract with Zurich, and we reserve the right to withdraw access at any time without notice
We make things easier
No matter how you get in touch, live chat, phone, or email, you’ll always speak to one of our expert SME underwriters. Not a bot.
We provide a range of additional services to your clients at no extra cost, including:
- Zurich Risk Advisor
- A risk management advice line
- Commercial legal assistance provided by ARAG (including legal, tax and business advice)
- An online law guide and document-drafting, provided by ARAG
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
You can make a property claim online via our claims portal, or give us a call.
Liability claims
Read our liability claims guidance or find out how to submit a liability claim.
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.
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.