Commercial Combined

Our Commercial Combined insurance covers the majority of business risks faced by SMEs and mid-market clients in the UK.

Comprehensive cover

We offer up to 18 different covers, making our Commercial Combined package one of the most comprehensive available in the UK market. And as our approach is all about collaboration and problem-solving, we don’t have arbitrary cut-off limits or minimum premiums, so whatever your requirements, we will endeavour to help.

Excellent service from people, not computers

We believe that no computer can ever take the place of a human being. We have a network of six branches around the UK, staffed by skilled underwriters who are empowered to make decisions. This means we can turn your quotes and enquiries around quickly – and a computer will never make the final decision.

Specialist sector knowledge

While we have a broad appetite, we thrive on working with clients who have a specialist need. We have in-depth experience of working with mid-sized clients in several sectors, including education, charities, pharmaceuticals and technology. Our expertise in these sectors means we can provide cover for even the most challenging risks and situations, from abuse in secondary schools to clinical trials for pharmaceuticals companies. We can also provide tailored risk management advice for your particular sector.

Tailor-made for you

You can pick and choose exactly which covers you need for your business. The modules we offer are:

• Property

  - Business interruption
  - Material damage
  - Specified business equipment
  - Terrorism
  - Theft

• Liability and Financial Lines

  - Cyber
  - Directors' and Officers' Liability
  - Employers' Liability
  - Product Liability
  - Professional Indemnity
  - Public Liability

• Other

  - Business travel
  - Fidelity guarantee
  - Goods in transit
  - Group personal accident
  - Legal Expenses
  - Loss of licence
  - Money and personal accident assault

If you have any special requirements that are not covered above, we can provide additional covers under separate policies.