Tailored insurance to suit the needs of your client's business

Our policy conveniently combines a business' main insurance needs with flexible optional core covers of material damage, employers', public and product liability and/or contractor all risks.

A wide range of additional covers can be selected including business interruption, terrorism, employee dishonesty and legal expenses.

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  • Appetite

    Our appetite includes businesses that have a turnover of up to £5 million, have less than 10 UK-based locations and are not suitable for our package products.

    These include:

    • Manufacturing
    • Wholesale
    • Offices and business administration
    • Warehousing
    • Sports, leisure and entertainment
    • Constructions risks
    • Technology

  • Highlights

    Our Commercial Combined, Combined liability and Contractors Combined policies allow you to tailor our products to match the needs of your client's business. Every enterprise is unique, but with 15 sections of cover available to choose from, you can select the cover that matters to them.

  • Key product benefits

    We’ve got all the covers you’d expect but the following is where our policy really excels:

    • Our Property cover is average free and insures material damage, business interruption, goods in transit and specified items all risks
    • Material damage is on an all risks wording
    • Our material damage cover includes many additional extensions as standard including exhibition cover and brand protection
    • Our business interruption cover comes with a standard extension amount which can be amended. We have included essential employee cover and lottery winners’ extension cover at £25,000
    • Our public and products liability cover has been enhanced to include £50,000 for product recall, legionella and vendors liability (please note, product recall is not available for Construction)
    • Our public and products liability cover includes a Data Protection Act (incl. General Data Protection Regulation) extension with a £1,000,000 limit
    • Our employers’ liability cover now includes automatic acquisition and public relation expenses
    • Our money cover now includes £2,500 in an unspecified safe, personal accident assault increased to £25,000 and we have added £1,000 of counselling costs
    • Additional sections of cover include terrorism, legal expenses, computer breakdown, engineering breakdown, deterioration of stock, employee dishonesty, personal accident and contractors’ ‘all risks’
    • Our building reinstatement includes the additional cost incurred to comply with any recommendations made under any current Energy Performance Certificate.

  • Documents

We are a 5-star rated eTrade insurer

We’ve been voted as Number 1 Software House Insurer for the third year running in the 2025 Insurance Times eTrading Survey, as voted by brokers. We achieved a 5-star rating for both our own extranet, Zurich Online, and trading through a software house.

This is testament to our continued exceptional service, propositions and systems throughout our SME offering. We are proud to be recognised as a reliable insurer with a strong reputation amongst the broker community, and remain dedicated to developing our proposition and maintaining our seamless trading experience within the market.