Commercial Combined Insurance in
the United Kingdom
Many businesses in the
United Kingdom rely on commercial combined insurance. This type of
insurance is a variety of covers that are sold as one insurance package
to businesses that require risk protection under numerous categories.
When packaged as commercial combined insurance, insurers usually offer
more competitive rates. Because there is only one premium, a business
will usually have an easier time of managing the policy.
Types of Cover Most Likely Available Under Commercial Combined Insurance
Property Damage All Risk, which covers rent, buildings, in trade stocks,
contents and other specified property that is assigned in an 'all risk'
Business Interruption is also included. This cover any losses that are a
result of an interruption in a business that causes a loss of property
or damages to property under an all risk basis. It also covers all risk
for business equipment and goods that are determined by a client.
Employers' Liability is a part of the package, as it usually covers a
client for legal liability in the event that any employed person is
injured whilst on the job.
Public liability is generally included to protect a client from any
legal discrepancies due to damage to property or accidental injury to a
person due to business interactions.
Product liability will usually cover a client against accidental injury
to a person or to a person's property that was a result of use of a
In many commercial combined insurance cover in the UK, legal expenses
are also part of the package, for in most cases, up to £50,000 for
safety and health issue, data and tax protection, criminal alterations,
employment, property or contract disputes and claims due to a personal
Additional cover may also include contracted work, which includes damage
or destruction, fidelity guarantee, which covers a client in the event
that money or goods are forfeited because of an dishonest or criminal
act on the part on any employee. Any loss of licence could also be
included that would usually protect a client for any expense required to
appeal a loss to a business that was caused by circumstances that go
beyond his or her control.
Added commercial combined insurance can also include group personal
accident, which covers a client should any bodily injury occur, and
directors and officers cover usually insures that any member of the
client's board, including managers, officers and directors be covered in
the event of omission or acts that lead to their dismal from a
Business travel is also usually considered part of a commercial combined
insurance package, as it covers business travel for clients and includes
expenses for unforeseen hospital and medical expenses whilst traveling,
disruption in travel plans or cancellation, passports, credit cards,
money, travellers' cheques, and other travel documents, any unexpected
accidents, personal liability, as well as any legal expenses involved.
To make sure that you are aware of the best commercial combined
insurance policies in the UK, please refer to the following websites.