Property

Commercial Combined

A flexible solution for tailored business insurance.

What is Commercial Combined Insurance?

Commercial Combined insurance is a comprehensive insurance policy that offers a broad range of coverage options to protect businesses against various risks such as damage to property (i.e. buildings, contents, stock), business interruption and legal liability to employees and third parties.

This policy offers flexibility to choose the covers required, including adding or amending cover at any time during the policy period. Commercial Combined insurance can cater for many different industry sectors and provide the flexibility to grow with the business.

What does Commercial Combined Insurance cover?

A typical policy is likely to include the following:

  • Public liability insurance: Indemnifies against legal liability to third parties following alleged injury or damage caused by the activities of the business.
  • Product liability insurance: Indemnifies against legal liability to third parties following alleged injury or damage caused by a product supplied by the business.
  • Employer’s liability insurance: A statutory requirement for UK businesses with employees, this essential cover indemnifies the employer against legal liability following injury to its employees whilst carrying out the activities of the business.
  • Property damage insurance: Protection against loss or damage to material property owned by the business such as buildings, contents and stock in trade.
  • Business interruption insurance: Protection for loss of profits, revenue, increased cost of working, and loss of book debts when a business suffers interruption or interference following damage by events such as fire, flood or theft.

Limits and Minimum Premiums

  • Minimum premium of £500 plus IPT*
  • Total sum insured up to £10,000,000 any one location
  • Coverage available up to £10,000,000 for Employers Liability
  • Coverage available up to £10,000,000 for Public Liability & Products Liability
  • Coverage available for work away and exports to the USA and Canada

*DOA Underwriting Ltd fees apply, advised on each quotation.

Our Appetite

We excel in organising Commercial Combined Insurance for a diverse range of businesses such as:

  • Builders & construction depots
  • Catering risks
  • Clubs – Sports & Social
  • Distribution & logistics
  • Gyms
  • Hotels
  • Manufacturers
  • Office-based businesses
  • Printers & plastic risks
  • Processors
  • Shop owners
  • Warehouse owners

This list is not exhaustive. If you’re unsure whether your risk fits our appetite, please don’t hesitate to give us a call.

How can DOA help?

The Commercial team at DOA provide specialist expertise to underwrite risks from a broad range of industries.

If you would like to submit the enquiry to us online and already have access to our online facilities, please click the button below to complete your enquiry (please have your username and password ready).

If you have an agency with DOA, you may contact us directly for a quotation:

John Harris Head of Trading & Distribution (Property & Liability) 01371 878577
Work With Us If you do not already have an agency and would like to become a DOA agent, you can apply here:

 Agency Application