Commercial Combined

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.