Commercial Combined
A fire, flood, or major equipment failure can do more than damage your premises - it can bring your entire business to a halt.
Commercial Combined Insurance is tailored to protect your specific needs and help you recover quickly when disaster strikes. Because when your operations stop, your bills don’t.
Protect Your Income. Safeguard Your Recovery.
This essential cover helps bridge the financial gap between an insured event and your business getting back on its feet. It typically includes:
01
Property Damage
In the event of an accident, this cover protects against loss or damage to buildings, contents and stock.
02
Fixed Costs
Cover for ongoing expenses such as rent, utilities, and staff wages - even when your business is temporarily closed.
03
Loss of Income
Compensation for lost profits and revenue during the period your business is unable to operate.
04
Temporary Relocation
Support with the costs of moving to and operating from a temporary location.
05
Supplier or Customer Disruption
Cover for losses caused by disruption to key suppliers or customers due to an insured event.
06
Employers' Liability
A legal requirement for most businesses, this covers claims from employees who suffer injury or illness as a result of their work.
07
Business Interuption
If your business premises become unusable, this solution protects your revenue while you source an alternative premises.
08
Public Liability
Protection against claims from third parties for injury or property damage occurring on your premises or as a result of your business activities.
09
Increased Working Costs
Reimbursement for additional expenses incurred to keep your business running, such as outsourcing or overtime.
10
Legal Cover
Covers legal costs for common disputes including issues with employment, personal injury and consumer contracts.
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