Commercial Combined Insurance
SME businesses are divers and wide ranging. Whether it’s individual or limited companies with multiple premises, we can provide all the cover your organisation will require. Policies usually consist of several core covers and optional extras. Insurers will typically include the following as their core covers:
- Buildings
- Contents
- Employee protection
- Business interruption
- Business liability
- Legal expenses
- Corporate Manslaughter Act 2007
- Defective Premises Act 1972
- Day One Uplift of 15% as standard on buildings contents and stock.
Looking for a quote? Drop us an email using the form below and we will be in touch.
Optional Covers
Optional Covers
Core covers may be supplemented with substantial optional covers to accommodate the various members of the hospitality industry. Many of these optional covers are industry specific. These options can include but are not limited to:
Money
Goods In Transit
Environmental liability
Notifiable disease cover
Subsidence
Computer breakdown
Equipment breakdown
Employee theft
Contractors' all risks
Terrorism
Day One uplift up to 50%
Money
Goods In Transit
Environmental liability
Notifiable disease cover
Subsidence
Computer breakdown
Equipment breakdown
Employee theft
Contractors' all risks
Terrorism
Day One uplift up to 50%
Summary
We can cover in excess of 600 manufacturing trades and 130 wholesale trades with Public Liability Limits up to £10 Million.
There’s never been a time where it has been more important to have Day One uplift, covering inflationary costs, rising material costs and helping you to stop any gap appearing between declared value and any settlement amount you receive.
Our Combined policies are specifically designed to offer maximum scalability and stability for aspiring businesses. We can also ensure that our combined risks are sent to insurers where the product is manually underwritten, to ensure total understanding.