All businesses are unique in some way, shape or form and may not fit in to a set package insurance policy, such as a Shop, Office or Surgery policy. This is why a Commercial Combined policy is the ideal way of obtaining the core covers that your business needs.

This style of policy is designed to be flexible and to cater for the business risks your company faces, all brought together under one contract. As your business changes so too can the policy.

The core sections include:

  • Material damage – providing cover for your assets such as machinery and plant, stock, computers etc.
  • Business interruption – providing financial compensation for your business in the event of a loss occurring under your Material Damage cover. This cover operates to maintain your business’ normal trading position by providing indemnity for any shortfall in profits and returning your business to its previous trading position.
  • Employers’ Liability – this compulsory insurance requirement provides cover for all employees against injury or disease caused as a consequence of their employment.
  • Public and Products Liability – essential cover in respect of your legal liability to pay compensation to third parties for accidental loss or damage to their property or injury to any person during the course of your business activities or products supplied by the business.

Money, Computers, Goods in Transit, Engineering Risks, Credit Insurance, Legal Expenses and Group Accident & Sickness Insurance can all be included under one Commercial Combined policy wording, making it a very flexible and all inclusive option.

Need more help with your Commercial Combined insurance? Contact us on 0113 250 0377 or click here to contact us online.