Commercial Combined Insurance

Quotes currently processed within 2 hours

Tailored for a wide range of commercial risks, our Commercial Combined Insurance stands out for its coverage across various trades and industry sectors. Our focus is on providing fast turnarounds for quotations, achieved through a simplified set of questions.

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Features & Benefits

  • A-rated capacity provided by Hadron or Accelerant

  • Fast turnaround times – an underwriter typically responds within the same day

  • Experienced underwriters ensuring prompt, informed decision-making

  • Comprehensive cover for a wide range of commercial risks

  • Total MD/BI sums insured up to £15 million (per location)

  • Multi-location cover available for up to 10 locations

  • Flexible cover options – liability-only or property-only, depending on trade class and activities

  • Export flexibility – for many trades, up to 30% of turnover can involve products exported to North America

  • Height work is covered – up to 20 metres where it accounts for 20% or less of overall work away activities, including incidental cold roof work

  • Specialist cover for surgeries and associated risks, excluding Medical Malpractice and Products Liability

  • Target risks – businesses paying anything up to £100k in premiums (higher premiums considered)

  • Highly competitive rates with generous commission levels

  • Expert claims handling by Sedgwick, a specialist claims management company

  • Quotes processed within 2 hours, urgent cases always prioritised

Trades/businesses covered

We can provide cover for over 600 trades including but not limited to:

  • Manufacturing
  • Wholesale
  • Offices & Administration
  • Warehousing
  • Leisure-related Activities
  • Metalwork & Engineers
  • Textile & Fashion
  • Woodworking
  • Technology incl. Media & Communications

Cover Highlights

A multi-selection offering including options for you to select, that are specific to the risk.

  • Property (including Buildings, Plant & Machinery, Contents, Stock)
  • Money and Personal Assault
  • Goods in Transit
  • Specified All Risks
  • Refrigerated Stock
  • Business Interruption
  • Book Debts
  • Employers’ Liability
  • Public & Products Liability
  • Legal Expenses (as standard)

Additional Information

With over 600 sub-trades included in our Commercial Combined product, we can tailor cover to suit a wide range of businesses. If you’re unsure about a risk before placing it on the system, please contact us to discuss.

Get in touch via our online chat or call 0333 032 5000.

Please click here for your tailored online quotation

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