Commercial Combined Insurance

Provides cover for the buildings and other property (such machinery plant, tools, stock & office equipment) at the business premises.

Covers damage/loss of money whilst at the premises, in a safe, in transit or at the private dwelling of authorised persons.

Provides cover for compensation claimed by a third party (for example your customers or members of the public) if you cause injury to them or damage to their property. It is not a legal requirement to have Public Liability insurance.

This will cover you in the event that one of your customers makes a claim against you for damages or losses they have incurred as a direct result of work you have completed or advice you have given.

Damage &/or losses caused by terrorist acts are not typically covered under other standard sections of commercial insurance policies. This section essentially bridges the gap in cover to provide cover for damages or losses as a result of an act of terrorism.

This covers Legal Expenses, Awards of Compensation, Jury Service Allowance and Witness Attendance Allowance incurred in pursuit or defence of any claim brought by or against you for events defined on your schedule – for example Contract Disputes, Employment Tribunals, Taxation Proceedings, Criminal Prosecution Defence, Property Disputes, Personal Injury or Jury Service Allowance.

This section will cover you for costs incurred as a result of security breaches of IT systems. Costs may include; Investigations into the security breach. Losses incurred due to interruption of normal business activities. Restoration of data following security breaches. Extortion losses (money paid as a direct result of a threat to impair access to your computer systems or to destroy, corrupt or erase your data).