SME Commercial Combined Insurance

Our commercial combined insurance is a package policy aimed at various types of businesses including Manufacturers, Processors, Wholesalers, Distributors, Warehouses, Leisure risks and Engineering risks.

The policy is also aimed at businesses trading from commercial and residential premises including single premises and portfolios.

This commercial combined policy includes contents, stock, loss of income, public liability and legal expenses as standard with a wide range of optional extensions available to enable you to tailor cover according to your needs.

Optional extensions include buildings cover, loss of liquor licence, subsidence cover, theft by employees, specified all risks, computer breakdown, terrorism cover, employers liability and personal accident. Liability cover can also be extended for work away from the premises.

We cater for manufactures, Engineers, Wholesalers, Leisure, Processing trades and many more trades.

You can piece together a commercial combined insurance policy specifically built to meet your requirements covering sectors such as the following:

Buildings
Contents
Business interruption
Book debts
Employers liability
Public liability
Products liability
Glass and shop fronts
Money
Goods in transit
Deterioration of stock
Work away
Loss of licence
Personal accident

Insured perils for buildings and contents

All risks‚ cover is provided for your buildings (if applicable) and your contents and stock for the sums insured selected by you:-

Fire, lightning or earthquake
Explosion
Storm or flood
Escape of water
Riot and civil commotion
Malicious damage
Impact
Leakage of oil from fixed heating systems
Theft by forcible and violent entry/exit
Accidental damage

Significant features and benefits

Standard benefits

Cover automatically includes the following extensions and most of the limits shown can be increased on request. The minimum cover can automatically increase depending on the size of your business:-

Standard benefit Minimum cover

Damage to fixed glass, premises fronts and sanitary fittings (Inner limits apply) £3,000
Damage to external blinds and signs £1,000
Loss or damage to goods in transit £3,000
Theft of keys including replacement of locks £1,000

Loss of money:-

in transit or night safe £3,000
during business hours £3,000
outside business hours in a locked safe £3,000
from the residence of a principal/employee £500
from gaming or vending machines £500
outside business hours not in a locked safe £500
crossed cheques and non negotiable money £250,000

Personal accident and assault following a robbery or hold up:-

Benefit for death, loss of any limbs or eyes £10,000
Benefit per week up to 2 years £100
Damage to cash carrying devices or personal effects £500
Loss of freezer contents £1,000
Damage to property insured at exhibitions £10,000
Loss of metered water £5,000
Damage to landscaped gardens £2,500
Damage to property insured where you are providing outside catering £2,000
Rent/lease payments as tenant if the business is untenantable from damage by a peril insured (excluding accidental damage) 20% of contents
Business interruption cover following a claim £100,000

This cover helps to keep you in business following a claim. Automatic extensions of cover under business interruption include:-

professional accounts charges
notifiable disease
vermin pests and defective sanitation
murder or suicide
denial of access
damage to suppliers premises £100,000
damage to customers premises £100,000
failure of public supply
Loss of accounts receivable £10,000
Cover for money that is owed by customers which cannot be collected because records have been lost or damaged by a peril insured
Public and Products liability £2,000,000
Cover against sums you become legally liable to pay as damages together with your legal costs and expenses relating to an injury to any person or accidental loss or damage to their material property happening in the course of the business.

Automatic extensions of cover under public and products liability include:-

cross liabilities
tenants liability
defective premises act
contingent motor liability
overseas personal liability

Legal expenses including:

Cover up to £100,000 per insured incident (inner limit of £2,000 for aspect enquiries and tax intervention enquiries).
Cover for contract disputes
Cover for health and safety prosecutions
Cover for data protection
Cover for employment disputes and compensation awards
Cover for criminal prosecution
Cover for bodily injury
Cover for property protection
Cover for tax protection
Cover for statutory licence protection
Cover for tenancy disputes
Free access to on-line business law service
Free legal advice, tax advice and unfunded business assistance help lines
Free counselling helpline for employees.

Optional extensions

The following optional extensions of cover are available at an additional cost:-

Buildings cover including:-

damage to cables and underground pipes
trace and access cover up to £25,000 any one loss
loss of rent receivable up to 20% of the building sum insured. Can be extended up to 30% of the building sum insured
Subsidence cover to your buildings and contents
Cover for subsidence or ground heave of the site on which the premises stands or landslip
Theft by employees
Cover against fraud or dishonesty by employees involving theft of money or contents. There are various limits of indemnity to choose from
Specified all risks
Cover for items which you specify individually under the policy

This extension will cover specified items away from the premises anywhere in the U.K and for up to 30 consecutive days elsewhere in the world.

Computer breakdown

Cover for loss or damage caused by computer breakdown or failure up to a value specified by you. Cover extends to include:-

Additional expenditure up to £10,000
Incompatibility of computer records up to £5,000
Additional rental up to £5,000

Terrorism Cover

Cover for terrorism under the buildings, contents and loss of income sections of the policy.

Loss of liquor licence £100,000

Cover against the depreciation in the value of your premises and subsequent loss of profit following loss of licence due to causes beyond your control.

Employers liability £10,000,000

Cover for damages, legal costs and expenses for which you are liable as a result of injury to your employees including unsatisfied court judgements.

Public & Products Liability up to £10,000,000

Personal accident

This cover provides compensation in certain circumstances to directors, principals and partners up to 70 years of age arising from accidents at work. Cover includes:-

Death £10,000
Loss of sight £10,000
Loss of limb £10,000
Permanent total disability £10,000
Temporary total disability (104 weeks) £200 per week Commercial Combined Policy Summary 0713 3

Significant features

Automatic index linking at renewal to buildings, contents, specified all risks and computer breakdown.

Third party interests can be noted provided we are informed.

Definition of buildings

Wide definition including landlords fixtures and fittings therein and thereon, walls, gates and fences, yards, car parks and pavements, piping, ducting, cables, wires and associated control gear and on the premises and extending to the public mains but only to the extent of your responsibility.

Definition of contents

Wide definition including:-

computer and electronic office equipment, for which you are responsible, including laser printers, fax machines and photocopiers
landlords fixtures and fittings, interior decorations and tenants improvements for which you are responsible
machinery, plant, fixtures and fittings and all other contents for which you are responsible
stock and materials in trade and goods in trust for which you are responsible.

pertaining to the business and contained in the premises