Manual Services


Larger businesses that provide any of a variety of manual services, including cleaners, scientific researchers, exhibition organisers, garden services and installers and repairers of domestic appliances.

Key description

This flexible product offers cover that can be tailored to a variety of business needs.

Optional covers

  • Property protection, including theft of computer and visual equipment at the premises up to £100k
  • Contract Works cover, including offsite storage of materials that are separately stored and identified for inclusion in a contract being worked on
  • Computer Cover, including Incompatible Software up to £50k and ICOW following damage caused by a virus up to £25k
  • Loss of money belonging to the business on the premises, in transit, in a bank night safe or at a work site or at the private homes of key staff
  • Income protection, including Full failure of Public Utilities up to £50k and Full Failure of Telecoms up to £100 per day/£2,500 per period
  • Charity shops/not-for-profit organisations – Loss of Income following adverse publicity or death of a patron up to £25k
  • Employers’ Liability and Public Liability, including legal expenses and costs in defending prosecutions under all relevant health and safety legislation.

You can add cyber cover to this policy

You can add cyber cover to any commercial combined policy (excluding Fast Trade) at new business, mid-term or renewal – just get in touch with your usual underwriter.

Find out more about Cyber

Alternative products

  • Self Employed: For businesses trading from home with no business premises to insure. Essential core covers of Public Liability, Money and Legal Expenses
  • Office & Surgery: For smaller office-based clients. Overall Property Damage and Business Interruption limit of £5m per location, and £250k inner computers limit.

Selling points

  • Access to free legal and business guides via our business support website
  • Automatic debt recovery provided as part of our Commercial Legal Protection cover.

For more information about Target Market statements please visitservices.


Key documents

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All current 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

Cross-sell products

  • Minifleet: For businesses with three to 12 vehicles
  • Fleetwise: For larger business fleets of 13 or more vehicles
  • Group Personal Accident, Sickness & Business Travel: Protection for the business or its employees against a number of unplanned incidents
  • Commercial Crime: Comprehensive protection against loss of money, stock, equipment or machinery following theft or fraud by employees
  • Directors & Officers: Providing directors and officers with protection against claims, such as negligence, brought by other parties including shareholders, customers, suppliers and employees.

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