Package & Combined Policies

Health & Safety Compliance Training

Commercial Combined includes access to a web-based compliance training system, designed to develop and strengthen the health and safety of the company. Well trained staff help avoid risks of legal action, fines or even imprisonment for the company directors.

• Extensive library of modules topics include stress, managing contractors, manual handling, and work at height. Some are industry specific
  
• RoSPA accredited
  
• Helps to equip front line staff with essential training for their jobs – and managers to conduct risk assessments and implement risk improvements
  
• Web-based training saves time and money, as employees can be trained individually – at a time that suits the business
  
• Data from interactive training session can be retrieved and stored, providing full audit trail for training
  

By identifying the additional training needs of particular employees, the system helps the company to demonstrate a high standard of compliance to customers, contractors and regulators.

Medical & Vocational Rehabilitation*

Commercial Combined provides medical and vocational rehabilitation for employee workplace injuries regardless of fault and as standard. Our professional Case Managers (usually registered nurses) review all reported employee injuries at work and:

• Coordinate medical services, liaising with doctors and insurer, keeping the patient fully informed
  
• May include private consultations, specialist treatments or complementary therapies
  
• If satisfied with the NHS treatment, they’ll carefully monitor the patient’s treatment and recovery under the NHS.
  

On recovery, people may face difficulties getting back into the workplace. Our vocational consultants work closely with employers and patients to:

• Help them return to work in a suitable position
  
• Suggest necessary modifications to duties, equipment and retraining
  

* Included with employers’ liability

Equipment Breakdown Insurance

Today’s businesses are increasingly dependent on expensive and sensitive technology. Many Commercial Combined policies include automatic Equipment Breakdown coverage up to the value of the contents sum insured.

Equipment includes computers, electronic equipment, refrigeration equipment, air conditioning, telecommunications, lifts, machinery, cash registers, boilers, and audio equipment.

Cover includes:

• Repair costs, replacement costs caused by breakdown
• Up to £50,000 loss of profits caused by breakdown
  
• Also up to £50,000 temporary repairs or short term hire of equipment costs
  
• No exclusions for older equipment
  
• Up to £250,000 for computer breakdown
  
• Up to £25,000 for reinstatement of data
  

Breakdown cover is subject to a £250 excess. For computers less than £5,000 no supporting computer maintenance contract is required. There are some trade restrictions to automatic equipment breakdown.