Business Combined

A tailor made solution for the commercial needs of a modern day business and the multitude of risks it needs to protect to ensure its smooth continuous functioning. We enjoy the challenge of building a portfolio for particular situations and especially for ‘off the wall’ business models – so feel free to challenge us!

Property Insurance you may need:

  • Material Damage Insurance - covers the physical assets of your business, typically your business premises and its stock and contents (including computer equipment and plant and machinery), against loss or damage caused by a range of specified hazards including fire, storm, flood and theft. Alternatively, you might opt for the wider 'All Risks' cover.
  • Business Interruption Insurance - provides financial compensation if your business suffers loss of income following damage insured under your material damage insurance e.g. a fire or flood. For example, it provides for a loss of income whilst rebuilding or repairs are being carried out. It also takes account of the additional expense involved in moving the operation into short term alternative premises.
  • Loss of Money Insurance - covers business money that is lost or stolen, including from your business premises, in transit and from your, a director or an employee's home.
  • Goods in Transit Insurance - covers loss or damage to your stock and business contents whilst in transit within the United Kingdom in your vehicle or when sent by carrier, up to specific limits.