General Commercial Combined

For those trades that do not fit into a set packaged facility a Commercial Combined policy is the ideal way to provide a comprehensive product.

A typical policy provides cover for the main insurance needs of a business, and a combination of the following covers can be selected:

• Material Damage - cover for a business's material property for defined perils such as fire, flood and 'All Risk' perils such as accidental loss.
• Business Interruption - provides financial compensation following an insured loss under the Material Damage cover. Designed to help the business return to a normal trading position as soon as possible.
• Employers' Liability - protects companies against damages and legal costs that arise as a result of claims from employees suffering an injury or disease due to, and during, their employment.  EL cover is a requirement under UK Law and companies failing to comply with government regulation are at risk of a fine.
• Public and Products Liability - cover can be provided in respect of legal liability to pay compensation (including legal costs) for accidental death or personal injury to any person excluding employees  and accidental loss or damage to third party material property. Cover can be taken with or without liability for products supplied.
• Money – cover for physical loss or damage of 'money' pertaining to the business, occurring within the UK.
• Goods in Transit - cover for business property whilst in transit.
• Specified Items 'All Risks' - cover for loss of or damage to items specified by the customer of which can apply within the territorial limits of the UK, EU or world-wide as requested. 

If you would like to discuss your General Commercial Combined insurance requirements then please email enquiries@rmci.co.uk or contact us on 0870 7574 870.