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Commercial Combined

All SME Products

Policy overview

Commercial Combined

There are all sorts of bumps in the road that can crop up when you’re running a business. The best protection against the effects of these is a comprehensive insurance policy.

From material damage and business interruption through to legal liabilities, our Commercial Combined policy ticks the boxes your clients need it to.  

The policy includes
  • Book debts
  • Business (all risks)
  • Business interruption
  • Computer breakdown
  • Deterioration of stock
  • Employers’ liability
  • Fidelity guarantee
  • Goods in transit
  • Legal expenses
  • Material damage
  • Money and assault
  • Personal accident
  • Products liability
  • Public liability
  • Terrorism
What we cover
  • Light manufacturing and low hazard processes, including:
    o Double glazing manufacture
    o Fabrication and assembly
    o General light engineering
    o Precision engineering
  • Light wholesalers including:
    o Bathroom furniture
    o Builders, decorators and merchants
    o Ceramics and glassware
    o DIY wholesalers
    o Electrical goods
  • Machinery and equipment manufacturers, working with:
    o Dairy, food and drink
    o Dental equipment
    o Electrical appliances
    o Electronic components
    o Handheld power tools
  • Plastics manufacturing, including:
    o Injection and power pressing
    o Injection moulding
    o Plastic fabrication
What we consider
  • Wood-based manufacturing, including:
    o Fencing manufacture
    o General woodwork and carpentry
    o Wooden furniture manufacture
  • Clothing and textile manufacturing, including:
    o Clothing accessories manufacture
    o Clothing manufacture
    o Curtain and blind manufacture
    o Cushion making
    o Textile wholesalers
    o Woolen goods manufacture
  • Furniture repair and restoration
  • Furniture warehouses
     
What we normally decline
  • Animal research risks
  • Any risk involving offshore accommodation, exploration, drilling, production rigs/platforms and support, service or accommodation vessels/installations
  • Any trade with any exposure to asbestos
  • Clinical trials
  • Mobile phone manufacture, repair or supply
  • Offshore risks
  • Pharmaceutical manufacturer or supply
  • Riding establishments
  • Risks involving aerospace, aircraft or airports where work takes place outside the terminal building, beyond the departure gates
  • Risks involving the structure of docks, railways, watercraft, piers, wharves, breakwaters or sea walls
  • Tobacco manufacture
  • Tyre manufacture and remoulding
  • Work on (or in) high risk premises