A Commercial Combined policy provides Employers Liability cover, which is a legal requirement for all businesses employing any number of staff.
It also usually includes Public Liability, which covers your legal liability should you have to pay compensation to any member of the public who suffered injury, death, loss or damage to property arising out of your business activities.
Our packages are customised to meet your needs: to design the best insurance portfolio for your business, please view the package features and contact us to discuss further.
Other areas that can also be included are:
- Products Liability
Covering your legal liability for death, injury or illness or loss to third party property caused by or arising out of any product sold or supplied. - Property Insurance (including Stock and Contents)
Covers your Buildings, Machinery, Contents and Stock. Choose between covering Fire and Perils or All Risks cover, Accidental Damage, Subsidence and / or Terrorism. - Business Interruption
Covering your loss of Gross Profit or reduction in Turnover or the additional cost of working following any insured loss. - Money Insurance
Provides cover for loss of money on or off the premises. Can be extended to cover money in transit. Conditions may apply e.g. Safe. - Goods in Transit
Covering Loss or damage to goods while in transit. - Commercial Legal Expenses
Provides protection for legal fee’s, various levels of cover are available protecting you from all kinds of legal cases brought against or made by the insured. - Directors & Officers
Protects the individual Directors & Officers for their own individual liability following a wrongful act. - Personal Accident
Covers employee’s for Accident or Illness caused in connection with their employment or 24/7. Provides capital benefits and will pay for earnings lost due to the accident or illness. - Business Travel
Protects the employee for Business and /or leisure travel, the usual travel insurance benefits are provided such as Medical Expenses, Cancellation, Baggage, Personal Accident, Public Liability, etc – plus cover for Business equipment, computers and samples.