Commercial Combined


Cover for small to medium sized businesses involved in the manufacturing of components or finished goods, retail or wholesale, or the provision of services or sports, arts, community and leisure facilities.

Covers up to 10 premises with a total combined sum insured of £5m and turnover up to £7,500,000 (non food manufacturing/wholesale trades).

  • Total combined sum insured for food and drink manufacturing is £2.5m
  • Food and drink manufacturing turnover is £1.5m
  • Wholesale food and drink turnover £5m

Key description

This very flexible packaged product provides tailored insurance solutions and superior business protection.

Covers available include:

  • Average Free Property Cover, including seasonal increase of stock, temporary removal and trade samples.
  • Free of charge automatic uplifts to the contents and buildings sums insured, providing valuable extra protection
  • Sector specific beneficial covers such as Burn in Testing and Non-Ferrous Metals for Technology risks
  • Computer Breakdown including repair investigation costs and virus seek and destroy costs up to £25k
  • Engineering Breakdown including expenses for temporary plant and machinery up to £25k
  • Business Interruption Cover including free automatic increases to Insured Profit/Revenue Basis sums insured and indemnity period
  • Commercial Legal Protection including cover for Employment Disputes and Contract Disputes.

Selling points

  • A comprehensive Average free commercial combined product which provides an extra layer of protection for your customers’ business to reduce their risk of underinsurance
  • Discounted rates on Thermal Imaging surveys - identifying minor and major faults and helping to keep business disruption to a minimum

For more information about Target Market statements please visitcommercial combined.


Key documents

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We recognise the impact a claim can have on your customer’s business. We want to get them back to normal as quickly as possible.

Claims contacts and services

New claims

Fast and simple notification of claims.

  • Notify new commercial property claims 24/7/365 - online or by freephone, fax or e-mail.
  • 24/7/365 help from emergency plumbers, glaziers and locksmiths to ensure your customers aren’t left in a vulnerable position.
  • UK-based.
  • Rapid deployment of loss adjusters.
  • Tried and tested weather response plan.

Reported claims

Claims experts:

  • Dedicated commercial property teams in Southend and liability teams in Glasgow.
  • Proactively minimise impact of a claim to your customer’s business.
  • Interim payments to keep your customers trading.
  • Online claims tracking.
  • 12 months guarantee on repairs carried out by our approved network.
  • Claims solutions for all your customers - from sole traders to large organisations.

Service channels

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