Commercial Combined Insurance

Every business, large or small has it's own unique insurance needs. Insurers therefore have to mirror the individual nature of businesses by offering products which are flexible, adaptable and can be tailored to match those needs.

As the name suggests, a Commercial Combined policy brings together the various aspects of cover available for your business into a single policy and can be adapted to match your specific needs.

Our dedicated team of insurance professionals will assist you to identify the risks associated with your business and then build into your policy those covers specifically required to protect against them.

A typical Commercial Combined policy may include some or all of the sections outlined below.

ASSET PROTECTION
Protection of your physical assets at your premises which may include computers, general contents, stock and other items against a wide range of perils.

INCOME PROTECTION
To protect your income and revenue following an insured loss – for example to replace a shortfall in income should you be unable to trade whilst fire damage is being repaired on your premises.

PUBLIC AND PRODUCTS LIABILITY
Public and Products Liability will provide cover for your legal liability for injury or for loss of or damage to property not owned by you or in your control should you injure a third party or damage their property arising out of your business activities or the supply of goods.

EMPLOYERS LIABILITY
Employer’s Liability insurance will provide protection against your legal liabilities for death or bodily injury to your employees up to the limit of indemnity, including costs and expenses.

BUSINESS ALL RISKS
Business All Risks cover will protect your business equipment such as mobile phones and laptops outside of your place of work and includes accidental cover.

COMPUTER BREAKDOWN
Provides wider cover for your computer equipment than that offered under the Asset Protection section as it can include breakdown cover. It also includes cover for additional costs you may encounter following damage to the equipment, data reinstatement costs and additional equipment obtained through the year.

GOODS IN TRANSIT
Will provide cover for accidental loss or damage to your own goods whilst in transit by your own vehicles and by road hauliers, other carriers, rail and by post within the UK.

ENGINEERING COVER AND INSPECTION
Engineering cover will provide insurance in the event of breakdown or damage of equipment such as lifts, ventilation equipment and other machinery as well as damage resulting from the explosion or collapse of boilers and pressure plant. A service to inspect such items, including statutory inspections as required under the Health and Safety at Work Acts is also available.

MONEY
This will provide protection against a loss of money belonging to your business or for which it is responsible. Cover can be extended to include compensation for bodily injury to you or your employees as a result of assault or attempted assault whilst carrying money belonging to your business.

EMPLOYEE DISHONESTY
Employee Dishonesty cover will protect your business money and other property against the risk of theft, fraud or dishonesty committed by your employees.

TERRORISM
Terrorism cover will provide cover following physical damage to your property as a result of an act of terrorism.

BOOK DEBTS
Provides for the cost of tracing and establishing how much your customers owe you and the amount of any unpaid debts following an insured loss.

LOSS OF LICENCE
To cover the reduction in value of your interest in the business as a result of non-renewal or withdrawal of a licence from causes beyond your control.

LEGAL EXPENSES
To provide protection for legal costs and expenses arising from specified civil and criminal incidents in connection with your business.

PERSONAL ACCIDENT
Will provide compensation to you in the event that a person suffers accidental bodily injury. .

BUSINESS TRAVEL
Will provide cover to protect you and your employees whilst travelling on company business within the UK, Europe or worldwide.

If you require a quotation or further information please telephone: