What is Commercial Combined Insurance?
Where your business insurance requirements are too complex for an off the shelf package, we can offer a range of Commercial Combined policies. These are individually tailored to meet your needs. They can cover businesses as diverse as hotels, retail chains, wholesalers or manufacturers. We will review your requirements with you to assess your needs and then construct a bespoke policy for you. A comprehensive Commercial Combined Policy will protect your business, its’ premises and your staff.
Typical Cover Includes:
Cover for your business assets such as buildings, plant, machinery, fixtures and stock against a wide range of perils
Cover for your plant and machinery in the event of sudden and unforeseen damage causing breakdown.
Cover to keep your business solvent for the period following a loss, until you are back in trading position you were, immediately prior to the loss.
Theft of money, from the premises or in transit. Limits can be varied to meet your needs and staff can be covered for assault during a robbery.
Cover in the unlikely event that an employee steals from the business
Cover for your stock whilst in transit within the UK
Cover for computers and ancillary equipment. Cover can include portable equipment away from the premises, breakdown cover, re-instatement of Data Costs and additional cost of working
Cover for your equipment against damage caused by ransomware, hacking or virus. Cover for third party liability. Cover for commercial crime can also be added.
Required by law if you have employees – covers the cost of compensating employees who are injured at or become ill through work
Covers the cost of compensating anyone who is injured by a faulty product that your business designs, manufactures or supplies
Covers the cost of claims made by members of the public for incidents that occur in connection with your business activities
Covers the cost of compensating clients for loss or damage resulting from services or advice provided by a business or individual
Covers the cost of compensation claims made against your business’s directors and officers for alleged wrongful acts