Commercial

When running a business, clients have enough to think about without having to worry about unexpected losses.


We cover clients’ businesses against anything from loss or damage at the insured premises, injuries to employees, business interruption, motor vehicles and the liabilities they may face.


We provide optimum cover coupled with competitive premiums with a personalised policy to suit the specific requirements for the business insured.


We have enhanced our product offering to include unconventional sections not normally insured by a commercial policy such as contractors’ plant all risks, watercraft and personal sections. In addition to this, we have improved our policy wording to minimise misinterpretations and increased the sub-limits included under clauses and extensions.

Target Market
Key Benefits
Available Sections
Target Market
Key Benefits
Available Sections
  • Building industry, construction and development
  • Commercial properties
  • Contractors plant all risk
  • Educational institutions
  • Filling stations
  • General businesses
  • Hotels
  • Manufacturers/repairers and factories
  • Motor dealerships
  • Office blocks
  • Religious and charity organisations
  • Residential properties
  • Storage of goods (warehouses)
  • Suppliers and service providers
  • Supported motor risks
  • Wholesalers and retailers
  • Enhanced stated benefits and group personal accident sections
  • Increased sub-limits
  • Plant all-risk section available on the same policy
  • Increased reinsurance capacity
  • Liability section is on a broadform basis
  • Wider buildings combined section
  • No need for specialised product wordings as our product covers all relevant extensions
Property
  • Fire
  • Buildings combined
  • Office contents
  • Business interruption
  • Accounts receivable
  • Accidental damage
  • Business all risks
  • Goods in transit
Miscellaneous accident
  • Theft
  • Money
  • Glass
  • Fidelity
Motor
  • General
  • Car hire
  • Private type
  • Light commercial < 3500 kg
  • Commercial > 3500 kg
  • Special types
  • Motorcycles
  • Busses
  • Trailers and caravans < 3,500 kg
  • Trailers > 3,500 kg
Motor traders
  • Internal risk
  • External risk
Engineering
  • Electronic equipment
  • Machinery breakdown
  • Machinery breakdown business interruption
  • Deterioration of stock
  • Plant all risks
Accident benefits
  • Stated benefits
  • Group personal accident
Liability
  • Broadform liability
  • Employers liability
  • Umbrella liability
  • Personal liability
  • Extended personal liability