Commercial Combined Insurance

Industry - Steam Turbine manufacture
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Commercial Combined Insurance is designed for large businesses and is often purchased by organisations in manufacturing, wholesale, distribution and leisure industries. What does Commercial Combined Insurance include? Policies can be tailored to the individual business’ need but typically cover includes;

  • Material damage to buildings, stock and trade contents
  • Money cover for cash at premises and in transit
  • Goods in transit for stock that you deliver or collect
  • Business interruption to protect cashflow if your business is unable to trade because of an insured risk
  • Public and Products Liability provides cover for damage to third party property or injury to other people (excluding employees) that is deemed to be caused by your negligence. This can also include the legal costs of defending such a claim.
  • Loss of Money – this is different to “loss of profits” as it relates to monies kept on your premises.

What You Need to Know About

Commercial Combined Insurance

How much does Commercial Combined Insurance cost?
This depends very much on the cover your business needs and how risky an insurer perceives your business to be. Your claims history plays a part in this but it is important to be honest with an insurer or they could find grounds to invalidate your cover and reject claims. Premiums can range anywhere from £500 to in excess of £100,000.

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