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Commercial Combined

Our Commercial Combined product is one of the most comprehensive in the market today. As well as offering a wide range of covers, we are specialists in every single one of them – so your key business risks are in capable hands.

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

Comprehensive cover

We offer an extensive number of 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 charities, manufacturing, retail and wholesale and professional services. Our expertise in these sectors means we can provide cover for even the most challenging risks and situations. 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:

- Material damage
- Business interruption
- Specified business equipment
- Machinery & computer breakdown
- Terrorism

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

- Fidelity guarantee
- Goods in transit
- 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.

Broker enquiries

Download our contact sheet for your nearest Commercial Combined underwriter