Commercial combined insurance

Comprehensive insurance protection for businesses, including property, liability, business interruption, and other risks in one policy tailored to meet your requirements.

Who needs commercial combined insurance?

Commercial combined insurance is designed for businesses of various sizes and sectors that seek comprehensive protection under one policy.

It suits companies needing coverage for property, liability, business interruption, and other specific risks. Ideal for manufacturing, retail, wholesale, service industries, and more, it simplifies risk management by consolidating multiple insurances into a single, tailored package, ensuring broad protection and reducing administrative burden.

Cover features

The scope of cover will depend upon the particular trade requirements but may typically embrace:

Material Damage – A full range of protection for your buildings, contents and stock

Business Interruption – Loss of gross profit or gross revenue following damage to your business premises

Goods in Transit – Property whilst in transit by road, rail, sea or air

Money – Loss of money in transit, at your premises including personal assault cover

Employers Liability – Your legal liability for injury or death of your employees – £10,000,000 limit of indemnity any one accident (or higher if required)

Public Liability – Your legal liability for injury or death to third party persons or damage to third party property

Products Liability – Your legal liability for injury or damage caused to third party persons or property as a result of products you sold or supplied

Glass – Breakage of fixed glass and sanitary ware, including reasonable boarding up costs

All Risks – Cover away from your premises for specified items such as laptops

Deterioration of Refrigerated Foods – Deterioration or putrefication of refrigerated goods caused by breakdown, escape of refrigerant or electricity failure

Engineering Cover – Damage and breakdown of machinery and plant including loss or use

Engineering Inspection – Plant inspection services to comply with legislation

Computers – Damage to hardware and software with optional cover to insure against increased cost of working following loss or damage to hardware and software

Loss of licence – Loss of an excisable liquors licence from causes beyond your control causing loss of income, reduction in the value of the premises and/or business

Policy Wordings

The comprehensive cover we negotiate reflects both our clients’ needs together with any specific trade requirements.

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