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Commercial Combined Insurance

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

  • Exclusive Broker Partnership

    We exclusively partner with brokers, ensuring you have access to our specialised policies and a tailored approach to your insurance needs through your trusted broker.

  • Insurance Solutions

    for over 1,000 unique trades

  • Cover available

    to new business ventures

  • Legal expenses

    included for free

  • Up to £100,000

    cyber cover available as an optional extra

  • £25,000 equipment breakdown

    Cover included as standard

Standard cover

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 cover

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 broughta 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

Other solutions