Commercial Combined

this product is renewal only

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.

The latest version of the product literature is available to download below, which contains full details of the benefits, exclusions and limitations of the cover. If you need a version prior to those shown 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)