Commercial combined

Property & Commercial

Up to £5m (£25m under our mid corp facility) for the combined Material Damage and Business Interruption sum insured, any one location


We offer comprehensive cover, providing clients with a range of covers required in a single policy. Backed by A-Rated capacity, we have the ability to tailor and enhance the wordings plus include extensions as standard.

This policy is aimed at manufacturers, wholesale, the food industry, engineering, printers etc – view our comprehensive list.

Quote, bind & renew this product online

Save time by issuing cover for majority of our products online. You can receive quotes immediately, benefit from fast-track referral and confirm cover and issue policy documents.

Access broker portal

Key documents

Policy wording

Policy overview (IDD compliant)

Product Oversight & Governance


Submit a claim

Complete our online form.

Alternatively, if the loss or damage is extensive, please call our Claims Department as soon as possible. Full contact details here.

Helpline details

24-hour claim notification line 0345 604 9824

For Medical Emergency whilst overseas +44(0) 208 603 9514

Key benefits

Up to £5M MD/BI any one location
Average Free
Trading Tools include availability of : (a) 3 Year LTA (b) Low Claim Rebates (c) Rate stability (d) 1 Quote to market philosophy


  • Property Damage
  • Business Interruption – Gross Profit/ Fees/Revenue/ICoW/AICoW options
  • Money & Assault
  • Goods in Transit
  • EL/PL/Products Liability
  • Legal Expenses

Additional cover

  • Terrorism
  • Additional Computer Cover
  • Personal Accident
  • Specified All Risks
  • Theft by Employees
  • Frozen Food
  • Loss of License
  • Book Debts

Target Business

Manufacturers, wholesalers/distributors, (larger) retailers, food industry, engineering, printers, plastics, technology and many more.

Your expert team

Access our knowledgeable underwriters directly:


Simon Bell ACII

Lead Underwriter
01923 298 441
07873 300 883

David Fitzgerald

Senior Underwriter
01923 964 899
07708 473 336

Rob Lovell

Rob Lovell

01752 424 665

Kevin Stitt

01387 272 617

Amanda Foweraker Cert CII

01245 847 630

Harry McMahon

01387 403 012

Caitlin Brown

Underwriting Assistant
01245 847 630

Connor Brown

Underwriting Assistant
01387 216 684

Related products


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Please note, we are only permitted to deal with Insurance Brokers. If you are a customer, please contact your Insurance Broker for advice and information regarding your Insurance cover.