Commercial Combined Insurance
Commercial combined insurance is a single, tailored policy that bundles multiple types of business coverage, like public & employer's liability, property damage, and business interruption, into one package for convenience and cost-effectiveness, simplifying administration with one premium and renewal date.
It's ideal for businesses needing comprehensive protection without managing several separate policies, covering assets, liabilities, and operational losses under one flexible agreement.
Commercial Combined Package
Our commercial combined is a package policy providing a selection of essential insurance covers. It is designed for a range of small and medium sized businesses with annual turnover up to £10 million pounds.
Key features:
All-in-one solution:
Combines various covers (e.g., public liability, employer's liability, material damage, business interruption, goods in transit, money) into one document.
Who needs it?
- Businesses requiring extensive protection, such as manufacturers, wholesalers, workshops, warehouses, and distributors.
- Companies looking to streamline their insurance administration and costs.
About the product
Commercial Combined policy is a multi-section policy providing a range of the essential covers purchased by small to medium sized businesses. It incorporates cover under at least two sections including Material Damage and Employers Liability. All other sections are optional purchases.
Policy Summary:
Maximum Turnover £10m
- Material Damage Limit up to £7.5m*(subject to a MD & BI total of £10m)
- Business Interruption up to £7.5m* (subject to a MD & BI total of £10m)
- Employers Liability limit up to £15m
- Public/Products Liability limits of cover up to £5m (for most trades)
- Standard Excess £250
Key product benefits:
Standard Covers:
- Material Damage
- Employers' Liability
Optional Covers:
- Business Interruption
- Public/Products Liability
- Money
- Employee Dishonesty
- Equipment Breakdown
- Legal Expenses Loss, of Liquor Licence
- Group Personal Accident
- Terrorism
HIGHLIGHTS
- Material Damage - All Risks Cover
- Specified All Risks – Worldwide cover
- Equipment & Computer Breakdown available
- Glass cover unlimited
- Goods In Transit £10,000 (higher limits available)
- Money during business hours and in transit - £12,500 (higher limits available)
- Seasonal Increase - 30% of stock
- Deterioration of stock £10,000 any one unit
- USA/CAN Exports up to 20% of turnover (for eligible trades)
- Keys & Locks £10,000
- Medical & Vocational Rehabilitation
- Virtual Medical Care for eligible customers
- Unlimited number of locations subject to overall policy sum insured limit
Talk to an expert - Get in touch today.
Our team of UK-based insurance experts are here to help, 0203 916 6052 (Mon to Fri 09.00am – 05.30pm)