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Commercial Combined

Our commercial combined policy allows the flexibility to choose sections of cover and tailor the policy to suit individual clients’ needs.

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03330 100 300

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Cover is available for risks with combined material damage and business interruption sums insured of up to £10 million at any one location. It may be possible to accommodate limits higher than these upon discussion with our underwriters.

Who is it for?

  • industrial and manufacturing trades 
  • wholesale and warehouse trades 
  • larger retailers and offices 
  • established businesses with 3-5 years claims experience, new start ups can also be considered 
  • UK domiciled risks.

Cover available

  • material damage 
    • loss of metered utilities including oil up to £25,000 
    • moulds tools and dies up to £100,000 
    • trade samples anywhere in Europe (including whilst in transit) up to £25,000 
    • temporary repairs and loss reduction expenses up to £25,000
    • claims preparation costs for losses over £500,000
  • business all risks 
  • money and assault 
  • goods in transit 
  • employee dishonesty
  • book debts 
  • deterioration of stock
  • computer breakdown
  • business interruption
    • includes additional increased cost of working, unspecified suppliers/customers extension, property stored, patterns, transit, motor vehicles, contract sites, exhibition sites, public utilities, up to £50,000
    • prevention of access
    • notifiable disease extension up to £250,000
    • essential employees extension 
  • terrorism 
  • employers' liability 
    • contractual liability 
    • cross liabilities 
    • legal expenses arising from health & safety legislation 
    • legal expenses arising from Corporate Manslaughter and Corporate Homicide Act 2007 
    • payment for court attendance - directors £500 per day/employees £250 per day 
  • public and products liability 
    • legal expenses arising from Consumer Protection Act 1987 and Food Safety Act 1990
    • legal expenses arising from Corporate Manslaughter and Corporate Homicide Act 2007
    • contractual liability
    • cross liabilities
    • Data Protection Act 1998
    • financial loss - products liability maximum of £25,000
    • legal expenses arising from health & safety legislations
    • payment for court attendance - directors £500 per day/employees £250 per day
    • environmental statutory liability included up to £250,000
  • personal accident.

Key features of our commercial combined policy

  • issued on statement of fact basis, no proposal forms to complete 
  • comprehensive policy coverage 
  • flexible trade list 
  • electronic documentation 
  • access to experienced and empowered underwriters.

Access to this product is limited, please contact us to discuss.


Commercial Combined key features PDF document - 122.9 KB - 16/02/2017
Commercial Combined appetite guide PDF document - 102.4 KB - 16/02/2017

Call us today:

03330 100 300

Monday to Friday 9am – 5pm

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