Commercial Combined
Our target market here, unlike many insurers, is not simply business-specific risks underwritten ‘by the book’, but businesses that understand risk management and show effective control through factors like a good claim-free record.
By adopting this approach – ‘underwriting with intelligence’ – we are able to work with a wide variety of types of business. Drawing on the vast knowledge and experience of our underwriters, we can consider most risks without being prejudiced by the reputation of their market sector. Our Business Insurance product delivers A+ rated cover, either Lloyd’s or Company Market security depending upon the nature of risk and covers involved.
Key sections of cover:
Property damage, business interruption, general liabilities (up to £10m limit of indemnity), commercial legal expenses, goods in transit, money & assault, computer, business all risks, frozen foods, personal accident and loss of licence. We are able to consider large total sums insured and commonly quote for risks with more than £5m any one location and £20m any one policy. Please download the summary of cover below for further details.
We can also include Professional Indemnity and/or Excess Layer Liability under the same policy.
Target businesses include:
- Manufacturers and wholesalers
- Distribution companies
- Engineering risks
- Leisure (Shops, restaurants, pubs & hotels)
- Retail/wholesale
- Social care
- Plastics
- Rubber
- Farms and estates
- Light industrial (e.g. precision engineers, fabricators, machinery manufacture)
- Meditech
- Pharmaceuticals
- Nutraceuticals
- Animal Medicines
- Cosmetics
- Herbals
- Lifestyle products
Business Combined Proposal Form
