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Commercial Combined

Cover Available:

  • Property Damage - covers your buildings, machinery, fixtures and fittings and your stock for loss or damage caused by Fire, specified events and theft.
  • Business Interruption - your business will be interrupted and your profit reduced if your buildings or contents are damaged by fire or any of the covers given under Property Damage. This cover insures your financial loss.
  • Book Debts - covers debts which cannot be traced if your books of account are destroyed by any cause covered under Property Damage.
  • Money and Personal Assault - covers loss of business money and provides compensation for an accident sustained as a direct result of theft or attempted theft.
  • Own Goods in Transit - insures your stock for accidental loss, damage, fire or theft, whilst in transit by any of your own vehicles or third party vehicles anywhere in Great Britain, Northern Ireland, the Republic of Ireland, the isle of Man and the Channel Islands, including loading and unloading.
  • Specified All Risks - covers specified property for loss or damage by any cause whilst on your premises only or anywhere in the UK, EU or World wide.
  • Employers’ Liability - covers your legal liability to employees if they are injured whilst working for you.
  • Public and Products Liability - covers your legal liability to pay compensation to members of the public if they are injured or their property is damaged as a result of an accident caused by you or your employees or caused by your products.
  • Additional Computer Cover - provides a wider cover than that given by the contents section on computer equipment including cover for damage or breakdown caused by accidental failure of electricity or telecommunications services.
  • Legal Expenses - provides your business with protection for legal costs relating to: Prosecution Defence. Optional covers are Property Protection, Employment Disputes, Tax and VAT Protection, License Protection, Jury Service and Personal Injury.
  • Terrorism – Extends cover to include loss or damage caused by acts of Terrorism.