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Commercial combined insurance
Cover that meets the specific needs of wholesalers and manufacturers with large or complex risks.
What is commercial combined insurance?
Commercial combined insurance includes a range of standard and optional covers. From buildings, contents and stock insurance, plus optional public, product liability and employers’ liability insurance, build a policy that protects the unique needs of your business.
- Optional public, product, and employers’ liability cover up to £10 million
- This is a property-led product so policies must include cover such as buildings, contents, or stock
- Other covers to choose from include computers sum insured, all risks, and tenants improvements
What businesses does commercial combined insurance cover?
Our commercial combined insurance provides cover for a diverse range of wholesale and manufacturing businesses.
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Public liability insurance
In case your business and products cause an injury or property damage.
What’s typically covered by commercial public liability insurance?
Claims against your business for:
- damage to someone’s property, caused by your business activities
- illness or injuries as a result of your business
- employees causing accidental damage or injuries
For example:
- while hosting a meeting, you leave a cable running across the open office floor and your client trips, spraining their ankle
- you serve a client sandwiches with a trace of sesame seeds, causing an allergic reaction
- your employee drops heavy equipment on your client’s floor, causing extensive damage
**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**
Read more about public liability insurance
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Employers’ liability insurance
In case anyone gets ill or injured while working for your business.
What’s typically covered by employers’ liability insurance?
Claims against your business for:
- injuries to staff (including casual labourers and contractors) that are caused as a result of your business
- illness suffered by an employee (including temps and casual workers) caused by working for you
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**
For example:
- your office manager breaks their finger while trying to close a faulty window at your business premises
- your receptionist trips over a cable running across the floor of your office, breaking their ankle
- a temp worker scratches their arm on one of your tools, and the injury becomes infected
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Professional indemnity
In case a client loses money because of your advice, services or designs.
What’s typically covered by commercial professional indemnity insurance?
Claims against your business for:
- mistakes in the advice you give, which lead to a financial loss for your client
- errors in your certification services that mean a client loses out financially
- negligence in your advice or services that becomes costly for your client
For example:
- your advice on improving a client’s business performance leads to a financial loss for them
- you deliver the wrong certification and training that’s costly for your client to fix
- you make a mistake in a client’s tax return that leads to an HMRC fine
Read more about professional indemnity insurance
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Contents insurance
In case something happens to your fixtures, fittings, or operational equipment.
What’s typically covered by business contents insurance?
Claims against your business for:
- theft or vandalism to your office furniture or business equipment
- damage or destruction caused by fire or flood
For example:
- a fire caused by faulty electrics destroys your office furniture and other contents such as business equipment
- someone forces entry to your business premises and graffitis your office furniture
- a leaking pipe floods the ground floor of your business premises, and you need to replace your damaged contents
Read more about business contents insurance
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Business legal insurance
In case you’re hit with legal expenses connected to your business.
What’s typically covered by business legal insurance?
Claims against your business for:
- costs and expenses for disputes relating to debt recovery, including judgement enforcement
- disputes with debt collectors, or any party who takes legal action against you, as a result of identity theft
- costs and expenses for contractual disputes arising from an agreement
For example:
- one of your clients isn’t happy with your work and believes you haven’t met the contractual requirements
- someone gets access to your company’s bank details and uses them to buy goods and services
- your client is disputing a contract they had with you on the provision of a service
Read more about business legal insurance
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Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or off-duty.
What’s typically covered by personal accident insurance?
Claims against your business for:
- accidental death or injury, whether it happens at work or elsewhere, for anyone you’ve chosen to cover on your policy
- lost income, plus medical costs and hospitalisation benefit
For example:
- an employee you’ve covered on the policy slips on ice while commuting to the office, injuring their lower back
- you’re tidying the office and an old printer falls onto your shoulder, causing a serious injury
- your business partner bumps their head after a fall, causing ongoing health complications which stop them from working
Read more about personal accident insurance
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Stock insurance
In case something happens to your products and consumables.
What’s typically covered by stock insurance?
Claims against your business for:
- damage to (and loss of) stock, following fires, floods, or vandalism
- theft of stock following a break-in
- costs involved with replacing the stock you need to operate
For example :
- someone forces entry to your business premises and steals from your stockroom
- an important stock order falls from the back of your van and is never recovered
- you’ve taken a stock delivery, which is stolen while you’re speaking to a neighbour
Read more about stock insurance
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Tool insurance
In case your tools are lost, stolen or damaged.
What’s typically covered by tool insurance?
Claims against your business for:
- accidental damage to your tools and equipment
- theft of the tools you use for your business
- loss of your business tools
For example:
- your tools are stolen from your car or van
- you lose some expensive equipment on the way to a job
- a flood causes irreparable damage to your tools
Read more about tool insurance
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Buildings insurance
In case something happens to your business premises.
What’s typically covered by business building insurance?
Claims against your business for:
- damage to the structure of your building if there’s been a fire, flood, or vandalism
- contents, fittings, and equipment if they’re damaged by an event like a fire or flood
- repair and rebuild costs
For example:
- your shop’s wooden floor is damaged during a flood and needs replacing
- your employee damages an interior wall installing new equipment, as well as a glass door
- after a pipe bursts, you need to spend lots of money replacing flooring
Read more about business buildings insurance
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Own plant insurance
In case plant machinery, like excavators, you own is lost, stolen, or damaged.
What’s typically covered by own plant insurance?
Claims against your business for:
- replacement of own plant machinery should yours be damaged or stolen
- water damage to your own plant machinery
- accidentally injuring someone else while you’re working, or afterwards as a result of the work you’ve done
For example :
- an excavator is stolen during an overnight break-in at your works site
- you drill through a water pipe while working on a construction site, causing extensive damage
- your storage unit is flooded, damaging your cement mixer and generator beyond repair
Read more about plant machinery insurance
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Hired-in plant insurance
In case plant machinery, like excavators, you’ve hired in is lost, stolen, or damaged.
What’s typically covered by hired-in plant insurance?
Claims against your business for:
- expensive costs and charges, if hired equipment gets damaged, lost, or stolen
- equipment that’s on-site or in transit
- causing injury or property damage while you’re working, or afterwards following your work
For example :
- thieves steal a generator from your trailer while you’re taking a break at a service station
- you accidentally drive a digger through someone’s fence while working on site
- a hired cement mixer and generator are made unusable following a flood
Read more about plant machinery insurance
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Contract works insurance
In case your building work in progress is damaged by something like a fire, flood or vandalism.
What’s typically covered by contract works insurance?
Claims against your business for:
- repair costs for work that’s been damaged or destroyed while on the job
- labour, materials and tools that’ll get your work back to the stage it was in before the damage
- damage caused by fires, floods, storms, vandalism, or theft
For example :
- there’s a fire at your place of work, setting back the completion date of the job
- a flood destroys your specialist equipment
- someone breaks into your site and steals your tools
Read more about contract works insurance
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Excess insurance
In case you need to make a claim on your insurance policy.
What’s typically covered by excess insurance?
Claims made by you for:
- when you make a claim on a cover included in your business insurance policy, you won’t need to pay excess
For example :
- after a heavy storm you need to make a claim on your building cover – you don’t have to pay the £250 excess thanks to your excess insurance
- a leak in the bathroom causes a guest to slip and injure themselves and thanks to excess cover, there’s no excess to pay on the claim
- a tenant’s suitcase scratches the wooden flooring in your hallway – you won’t have to pay any excess on your accidental damage claim