For many types of business a commercial combined policy may provide a good all round insurance solution. These types of policies combine a range of essential covers to provide the business with affordable but comprehensive cover.
The limits for some of the included insurances can be varied according to the size and needs of the business being insured. There may also be variants of the cover for distinct business types (like ‘loss of liquor licence’ for a restaurant) that are appropriate to their activities.
Our commercial combined policies contain all of the standard insurances. In addition our customers benefit from a range of extra covers and services that other insurers may not provide. These are designed to help our customers reduce their risks of having to claim or to broaden their protection.
Additional benefits range from £50,000 of automatic Directors & Officers insurance, rehabilitation for injured employees, staff web-based health and safety training and £100,000 legal expenses insurance, through to equipment breakdown cover.
Policies may be tailored toward the particular needs of a business' activities. Core covers include
A wide range of UK businesses with turnovers up to £10 million.
Directors get the benefit of an expert defence when they need it most and the assistance of an expert claims team. Commercial Combined policies include £50,000 of Directors and Officers liability insurance (D&O) automatically.*
Important exclusions, conditions or limitations
Claims arising out of pollution, sickness or death, criminal or dishonest acts or Employment Practice violations.
Up to £100,000 legal costs (solicitors, barristers) to defend or pursue cases. Commercial Combined also includes £100,000 of legal expenses insurance. A valuable addition for businesses whose customers and suppliers may be bigger than they are.
Important exclusions, conditions or limitations
Compensation, interest, penalties or taxes except in respect to Employment cover, deliberate or unlawful acts or other situations where there is no realistic prospect of a successful defence.
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.
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.
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:
On recovery, people may face difficulties getting back into the workplace. Our vocational consultants work closely with employers and patients to:
* Included with employers’ liability
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:
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.
*D&O Eligibility
The full eligibility criteria are:
Policyholders must not be involved in any of the following sectors and activities