Combined and Combined 'All Risks'

• Combines a business’ main insurance needs (material damage, business interruption, employers’ and products liability) in one policy
• Cover includes £5 million limit of indemnity capacity for public/products liability
• Sprinkler leakage, subsidence, glass and terrorism cover can be added as options
• Extra cover can be added for book debts, money and goods in transit
• Material damage - cover for the material property of a business. Two basic levels of cover are available: defined perils or All Risks
• Book debts - cover for outstanding balances that cannot be collected as the records have been damaged or destroyed by an insured loss under the Material Damage cover (optional extension to business interruption)
• 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 - £5m limit of indemnity for Public and Products Liability (PL) in case a member of the public makes an allegation against the business

Specified items

Specified items cover for loss or damage to items specified by the customer within the territorial limits of the UK, EU or world-wide.