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Commercial Combined

Rather than taking out separate policies for different types of risk, our Commercial Combined cover protects your clients against multiple threats, in a single modular plan. This product has been developed for SME businesses across over 1000 unique trades giving you choice and flexibility.

Key benefits

  • Quote for premiums up to £10,000
  • Material damage limit without referral to £5m
  • USA exports up to 10% total turnover
  • Legal expenses included as standard up to £250,000
  • Public / Product Liability of indemnity up to £5m
  • New Business Ventures accepted
  • 1 hour new business referral service level agreement
  • Up to £100k Cyber cover (optional)
  • Integrated data enrichment to improve rating and
    widen underwriting footprint
  • Flexible Commission available

Risk examples within appetite

  • Metal workers and Precision Engineering
  • Manufacturing (i.e. electrical components,
    confectionery, optical goods etc.)
  • Wholesale and Retail risks
  • Office services including Software Developers
  • Printers
  • Breweries (Micro Breweries)
  • Builders and Plumbers Merchants
  • Tile, Pottery, Ceramic, Stone and Marble Products /

Risk examples outside appetite

  • Waste management / Recycling
  • Leisure
  • Foamed Plastics and Rubber Goods Manufacturers
  • GRP Goods Manufacturers
  • Industrial Laundries
  • Chemical risks
  • Fuel Distributors

Standard covers

Material damage

  • Fire and perils included as standard
  • Buildings including landlords fixtures and fittings, outbuildings, car
    parks and loading bays
  • General Contents including personal effects £1,000, Money £1,000,
    Wines and spirits £1,000
  • Office computers, software, stock and materials
  • Stock and material in trade, work in progress, finished goods
  • Replacement of locks following theft of keys
  • Additional metered water charges up to £10,000
  • Trace and access up to £10,000 / 10% of the sum insured

Legal expenses (covered as standard)

  • Limit of indemnity £250,000
  • TUPE cover included as standard
  • Cover for restrictive covenants
  • Crisis communication service
  • No policy excesses
  • Contract excess removed
  • Mediation costs added
  • Jury service inner limit removed
  • Directors and partners included in motor prosecution defence
  • Fair and proactive claims handling (specialist independent solicitors,
    no Alternative Business Structure (ABS))

Money (covered as standard)

  • Loss of negotiable money (crossed cheques) £250,000
  • Loss of money in transit / during business hours £5,000
  • Damage to safes, franking machines and carrying cases
  • Personal injury (robbery) cover included
  • Engineering Breakdown up to £25,000

Optional covers

Business Interruption

  • Selected perils
  • Prevention of access
  • Exhibition cover up to £100,000
  • Unspecified customers or suppliers within the EU, Norway,
    Switzerland and Iceland up to 10% of the sum insured or £250,000,
    whichever is the less
  • Failure of Utilities up to £250,000, any one loss
  • Murder
  • Disease
  • Additional expenses – employees lottery win
  • Loss of business income resulting from damage covered under
    buildings, contents and stock
  • Book debts of up to £250,000

Trade all risks

  • Damage by any cause UK / EU or Worldwide

Goods in transit

  • Accidental damage to property whilst in transit
  • Includes loading, unloading and temporary housing
  • Damage to containers, tarpaulins, ropes, chains and fastenings

Computer breakdown

  • Specified computer equipment due to breakdown at premises
  • Additional rental charges up to £25,000
  • Incompatibility of computer records up to £10,000
  • Consulting engineers’ fees and claims investigations costs up
    to £5,000
  • Temporary repairs and / or expediting permanent repairs up
    to 50% of cost or £25,000

Frozen foods

  • Damage to foodstuffs whilst refrigerated due to breakdown or
    accidental leakage

Employers’ liability

  • Limit of indemnity £10 million
  • Terrorism £5 million
  • Public and products liability
  • Limit of indemnity up to £5 million


  • In respect of Material Damage and Business Interruption


  • Cover for investigation costs, data restoration, business interruption
    and extortion
  • 3 levels of cover up to £100,000

Prosecution defence costs applicable to liability extensions

  • Costs and expenses in respect of criminal proceedings brought
    against you
  • Prosecution costs awarded against you
  • Costs and expenses for legal representation
  • Covers appeals against improvement and prohibition notices
    incurred with our consent

Personal accident

  • Capital benefits – £10,000
  • Temporary total disablement preventing return to work £50 per week
    up to 260 weeks
  • Temporary partial disablement preventing return to work £25 per
    week up to 260 weeks
  • Medical Expenses up to £10,000

Theft by employees

  • Limit of Indemnity (per claim) of £100,000
  • Auditor’s fees – cost incurred

Don’t have an MS Amlin Agency yet?

We’re here and ready to help. You can contact one of our Business Development Managers for assistance or get in touch with us for anything else. We look forward to hearing from you.

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