Commercial Combined Insurance

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Commercial Combined Insurance

A number of Insurers have specialist teams to handle corporate commercial combined business.

Cover Features

The scope of cover will depend upon the particular trade requirements but may typically embrace:

  • Material Damage - A full range of protection for your buildings, contents and stock.
  • Business Interruption - Loss of gross profit or gross revenue following damage to your business premises.
  • Goods in Transit - Property whilst in transit by road, rail, sea or air.
  • Money - Loss of money in transit, at your premises including personal assault cover
  • Employers Liability - Your legal liability for injury or death of your employees - £10,000,000 limit of indemnity any one accident (or higher if required).
  • Public Liability - Your legal liability for injury or death to third party persons or damage to third party property.
  • Products Liability - Your legal liability for injury or damage caused to third party persons or property as a result of products you sold or supplied.
  • Glass - Breakage of fixed glass and sanitary ware, including reasonable boarding up costs.
  • All Risks - Cover away from your premises for specified items such as laptops.
  • Deterioration of Refrigerated Foods - Deterioration or putrefication of refrigerated goods caused by breakdown, escape of refrigerant or electricity failure.
  • Engineering Cover - Damage and breakdown of machinery and plant including loss or use
  • Engineering Inspection - Plant inspection services to comply with legislation.
  • Computers - Damage to hardware and software with optional cover to insure against increased cost of working following loss or damage to hardware and software.
  • Loss of licence - Loss of an excisable liquors licence from causes beyond your control causing loss of income, reduction in the value of the premises and/or business.

Policy Wordings

The comprehensive cover we negotiate reflects both our clients’ needs together with any specific trade requirements.

Our Services Include

  • Assistance in respect of all insurance claims
  • Risk management assistance and advice
  • A prompt and efficient response to all communications
  • A comprehensive, personal yet thoroughly professional service

Link to Our Services