Commercial Combined

Competitive and essential cover for mid-market business

Our Commercial Combined product is designed for mid market business and provides competitive and essential cover for; manufacturing, wholesale, engineering, retail, leisure, service sectors and property owners.

The product covers material damage and a menu of options including; business interruption, goods in transit, money & assault, employers’ liability, public & products liability, specified all risks, refrigerated stock and loss of licence.

Optional add-ons are available for business legal expenses and engineering inspection & insurance.

Full details of the benefits, exclusions and limitations of the cover can be downloaded from the product literature area below. Please read this carefully to ensure the cover is suitable for your demands and needs.

Product literature

The latest version of product literature is available to download above. If you need a version prior to those shown or need any other advice about our products please contact your broker.


  • All risks basis of cover
  • All fixed glass & sanitary ware included
  • 15% day one uplift on material damage
  • Business interruption up to 133% - declaration linked
  • Increased and additional increased cost of working
  • Cover for work/stock/goods whilst in transit
  • Book debts cover
  • Employers' liability - £10 million including costs & expenses
  • Public and products liability options up to £5 million
  • Corporate manslaughter defence costs - £500,000


  • Competitive premiums
  • Minimum premium - £1,500 + IPT
  • Policies tailored to your clients' needs with direct access to dedicated specialist underwriters through our regional offices
  • Free 24 hour business legal helpline
  • Dedicated commercial claims helpline 0330 024 2266 operated 24 hours a day, 365 days a year, by staff trained in managing commercial claims
  • Option to pay by instalments (via direct debit)