Combined Property

All companies are unique and most will not fit into a one size suits all insurance package policy (e.g.: office, shop or surgery) this is where a Commercial Combined policy is the ideal way of obtaining the cover that your company requires. The policy is flexible and is designed with the main business risks your company faces. One policy with the ability for sections to be added or removed as your needs change. The core sections include:

Material Damage

This section provides cover for your company, which includes material property, contents, stock, Machinery/Plant, computers and other items.

Business Interruption

Includes financial compensation for your business in the event of a loss occurring under your Material Damage section,such as fire, storm , water damage, accidental damage and other insured perils of the policy. The intention to maintain your business’s normal trading position and return you to your previous financial trading position as quickly as possible.

Employers Liability

Compulsory UK legal insurance requirement for all employees against injury or disease whilst in your employment. Legal Costs and Damages that may be awarded.

Public and Products Liability

Insurance cover in respect of your legal liability to pay compensation to third parties for damage or accidental loss to their property or bodily injury to any person following your usual business activities or the products supplied.

Money

Cover for loss or damage to business money anywhere in the UK.

Goods in Transit

Provides cover for your goods/stock and property whilst in transits within the geographical limits selected by you.

Specified All Risks

Insurance cover for physical loss or damage to specified items of equipment or property whilst away from your usual business premises, eg Exhibition equipment, Information Technology equipment etc