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