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COMMERCIAL COMBINED

Commercial Combined Insurance enables cover of multiple liabilities under one policy.  Insurances could include but is not limited to, Employers, Public, Products, and Property – each with their own extensions on if needed.  We have delegated authority for commercial combined insurance and are therefore able to use that to turn quotes around in a timely fashion, however, some may require referral if they are above our underwriting limits.asd

Acceptable Trades

Commercial Combined Insurance enables cover of multiple liabilities under one policy.  Insurances could include but is not limited to, Employers, Public, Products, and Property – each with their own extensions on if needed.  We have delegated authority for commercial combined insurance and are therefore able to use that to turn quotes around in a timely fashion, however, some may require referral if they are above our underwriting limits.
  • General Haulage Contractors with/out storage
  • Couriers (excluding Motorcycle or Bicycle)
  • Freight forwarders (excluding Freight Liability. However, this can be quoted by placement available to us with open markets)
  • Heavy Haulage Contractors
  • Livestock haulage Contractors (excluding Animal Waste Material)
  • Self Storage
  • Other Specialist Hauliers also considered upon referral.
  • Vehicle Transporters
  • Maximum fleet size of 20 vehicles with any additional vehicles being considered upon referral.
  • Office Removers
  • Domestic Removers (we cannot quote for full household clearance)

Jump to a section:

Employers Liability

This provides protection against your legal liability for illness or bodily injury to your employees** up to a standard limit of indemnity of £10,000,000 any one occurrence inclusive of all costs and expenses & £5,000,000 any one occurrence in respect of terrorism and offshore inclusive of all costs and expenses.  Cover includes:

Legal costs and expenses

in defending prosecutions under health and safety legislation.

Unsatisfied court judgements

in favour of employees injured in your employment by third parties.

Compensation for court attendance

as a witness in connection with any claim under this section.

**Employees definition is any person whom receives pay from the business to undertake any work for the business (however small), other than the principal of the company.  This also includes whether they are full time, part time or temporary.  If you don’t have it, you could face fines of up to £2,500 for every day you’re not insured.
The limit of indemnity standard limit of indemnity at £10,000,000 can be increased with an Excess Layer policy, if needed, up by £15,000,000 so the highest limit of indemnity is £25,000,000.

Public Liability

Protection against your legal liability for bodily injury to third parties and damage to their property, including obstruction, trespass, nuisance, interference, wrongful arrest and eviction, and legal liability for fees, expenses, damages and claimants costs following injury or damage by goods that you have supplied, sold, repaired, tested or maintained. Limits of indemnity available as standard: £1M, £2M & £5M (a £10M limit can be considered with referral).  An Excess Layer policy can increase this and provide a higher level of indemnity if this is specified by the client. Cover includes but is not limited to:

Legal expenses and costs

in defending prosecutions under all relevant health and safety legislation

Personal liability cover

for employees and directors whilst they are overseas on your business

Legal costs and expenses

in defending prosecutions under Part II of the Consumer Protection Act 1987

Liability for loss or damage

to premises hired or rented to you for your business

Extensions available for this cover, again, are examples (therefore not limited to), and if there is something more specific then you should discuss this with the person dealing with the quote at the time.

Commercial property insurance

A commercial property insurance policy does not have a set value, unlike the other commercial combined products.  Therefore, the policy will be based on each individual business’ demands and needs and can include:

Buildings insurance

covers the repair or rebuild of a business premises for events like fire and flooding. Circumstances you’re insured for may differ between different insurance providers.

Fixtures and fittings insurance

if you have items that don’t belong to the building, but aren’t stock either, you can choose to add them to your insurance.

Loss of rent

covers your rent for void periods between tenancies if you rent out a commercial property to tenants.

Contents insurance

covers business contents like goods, stock and equipment if they are lost, stolen or damaged. You’ll need to judge your stock’s value based on the cost price rather than the sale price. If the amount of stock you hold varies, you’ll need to keep your policy updated to ensure everything’s covered. Some insurance providers may charge an admin fee to make amendments to policies.

Business Interruption

is based on a timescale of either 12 or 24 months and includes Increased cost of working should you need to relocate whilst the property is in a state of disrepair.  £2,000,000 cover any one occurrence inclusive of all costs and expenses.  Uplift of cover to £10,000,000 can be considered upon referral.

**Employees definition is any person whom receives pay from the business to undertake any work for the business (however small), other than the principal of the company.  This also includes whether they are full time, part time or temporary.  If you don’t have it, you could face fines of up to £2,500 for every day you’re not insured.
The limit of indemnity standard limit of indemnity at £10,000,000 can be increased with an Excess Layer policy, if needed, up by £15,000,000 so the highest limit of indemnity is £25,000,000.

Accident & Sickness

Cover for you, your directors, partners and employees up to the age of 65 against accidental bodily injury. You can choose to protect on a named or unnamed persons basis.

  • Cover against accidental bodily injury
  • Death, loss of limb(s), eye(s)
  • Permanent Total Disablement from any occupation
  • Temporary Total Disablement from usual occupation
  • Temporary Partial Disablement
  • Cover is provided on a 24 hour basis but for unnamed persons you can restrict cover to injury occurring at work.

Excess Layer Policy

An Excess layer policy essentially provides a secondary layer of cover which will come into force in the event of a claim superseding the primary insurer’s maximum amount of indemnity.

We have access to a facility which will provide an uplift, for both Employers and Public Liability. 

Employer’s liability can be increased in £5 million increments up to £25M taking the total possible limit of indemnity to £25M.  Public Liability can be increased in £1M increments from £5M up to a total of £15M. OR

Testimonials

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Blake Ronald

Assistant Director

Don’t take chances with your insurance coverage

Contact us today to learn more about how we can help your clients protect what matters most.
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