Property

Commercial Combined

A flexible solution for tailored business insurance.

What is Commercial Combined Insurance?

Commercial Combined insurance is a comprehensive offering wide coverage flexibility to protect businesses against various risks including property damage, business interruption, all liability covers and additional elements such as goods in transit and money.

Our policy affords the client the ability to add, amend or remove cover at any point during the policy period. The policy is also beneficial to businesses looking to expand, grow both in respect of company size and number of locations.

What does Commercial Combined Insurance cover?

A typical policy is likely to include the following:

  • 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.
  • 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 (including whilst abroad).
  • 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.

Exposure Limits

  • Total sum insured up to £15,000,000 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.

Policy Wording Benefits

  • Exhibition cover for all businesses
  • Storage of stock at third party sites
  • Loss of Attraction during interruption to the business
  • Financial Loss in respect of public and products liability

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
Matt Simmons Product Manager & Technical Underwriter 01371 705130
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