Commercial combined

Tailored insurance to suit the needs of your business

Our policy conveniently combines your main business insurance needs (material damage, business interruption, employers, public and products liability) into one.

Core Cover

  • Material damage:
    Covers the material property of a business with two levels of cover available - Defined perils or All Risks.
  • Book debts:
    Covers any outstanding balances that cannot be collected in the event records have been damaged or destroyed by a loss included under the Material Damage cover (optional extension to business interruption). Also covers money and goods in transit.
  • Business interruption:
    Compensates for lost earnings and pays increased cost of working to help the business return to a normal trading position as quickly as possible following an insured loss.
  • Public liability:
    £5million limit of indemnity for Public and Products Liability (PL) in case a member of the public makes an allegation against the business.
  • Appetite:
    Warehousing and distribution, Stone or glassware, Metalworkers, Electronics, Plastics, Iron and steel stockist, Printers, High-tech joiners, UPCV double glazing assemblers, Modern construction leisure establishments, Food risks with approved panels.