Commercial Combined

Our Commercial Combined Policy coverage is designed to be flexible so we can offer many non-standard trades the coverage they require for their business. Trades include:

  • Manufacturers
  • Wholesalers
  • Warehouses
  • Processors
  • Contractors
  • Guest Houses
  • Offices
  • Gymnasiums

Commercial Cover

The following can be included in your policy according to the cover you have selected:

  • Contents of the premises
  • Glass Breakage including sanitary ware and signs
  • Loss of income subsequent to loss or damage
  • Money lost or stolen from the premises or whilst in transit
  • Assault of the Insured or employees whilst in the course of their business
  • Employers Liability
  • Public Liability
  • Products Liability
  • Goods in Transit loss or damage
  • Frozen Food loss or damage due to freezer unit or refrigerator breakdown
  • Buildings
  • Subsidence
  • Loss of Rent
  • All Risks cover for specific items of business equipment
  • Loss of Licence
  • Terrorism
  • Legal Expenses

Cover Applicable

The standard insured perils include loss or damage caused by:

  • Fire lightning explosion earthquake aircraft
  • Theft or Attempted Theft following forcible and violent entry
  • Storm flood escape of water from water tanks apparatus or pipes
  • Malicious Persons, Riot, Civil Commotion but not Terrorism
  • Impact
  • Escape of oil from a fixed oil fired heating installation
  • Breakage or collapse of radio or television aerials
  • Falling trees or parts thereof
  • Subsidence ground heave or landslip but only if requested
  • Accidental damage (if requested)
  • Key Benefits

    Quotations within 2 hours*

    Cover based on Statement of Fact

    Competitive premiums

    All quotes and documents emailed

    All risks dealt with on individual merit by qualified underwriters – no “computer says no” approach to Underwriting

    Outstanding customer service

    In house claims service