Business Combined FAQs

Business Combined is designed for the following sectors:

• Manufacturing
• Wholesale and distribution
• Office
• Printing
• Recreational and leisure
• Retail

The product is not suitable for the following sectors:

• Aviation
• Animal testing
• Care
• Construction and contracting
• Education
• Equestrian
• Farming
• Laundry
• Marine
• Pharmaceutical
• Waste and recycling
• Motor trade

80% of the trades in the Acturis list are eligible for our Business Combined product.

Acturis

We allow 3 trades to be selected when obtaining a quote. Your quote will be declined if:

• More than one main trade is selected
• The main trade is not assigned to a premises
• The total trade percentage of turnover is not equal to 100%

RSA Online

We allow 2 trades to be selected when obtaining a quote. These can be from either the standard trade list or via our bespoke sector search tool.

Whether you’re obtaining a quote via Acturis or RSA Online, we allow free-format business descriptions, without referral, for most eligible trades.

No. If we require an intruder alarm or physical security, the requirements will be shown on the policy schedule.

Our security requirements were revised in 2023 in line with market best practices. We allow up to 8 weeks for customers to meet the requirements, subject to a minimum £1,000 contribution in respect of Theft Damage.

Rent payable

Covers rent that may remain payable by the business if the buildings (or portion of) are unfit for occupation due to an insured event.

The rent payable sum insured, and indemnity period, are entered in the Buildings section of each premises on Acturis and RSA Online.

Rent receivable

Covers rental income that cannot be collected due to the premises being unfit for occupancy following an insured event. Cover is available upon referral with full details of the tenant(s) and how the multi-tenure aspect of the risk is managed.

The rent receivable sum insured, and indemnity period, are entered in the Business Interruption section on Acturis and RSA Online.

We provide cover up to £25,000. This covers stock stored within the locked perimeter yard or compound, used for the purpose of the Business.

Higher limits are available upon referral, with full details of stock and perimeter security.

RSA Online will trigger a dynamic referral for any requests above £25,000. You’ll be asked to submit these details to enable us to make an upfront decision.

Floating cover for stock, contents and computers is available when insuring more than one premises. We require the total sum insured at all premises and the maximum value at any one location.

RSA Online will dynamically remove the premises sum insured fields for the corresponding cover. This prevents cover being requested at the premises and on a floating basis.

We will decline Acturis quote requests for floating cover where only one premises is insured. In this instance, remove the floating cover and add the corresponding sums insured to the premises.

We can provide cover for customers stock that is stored at a premises not owned by the business, such as a self-storage unit. The premises must be within the UK.

Up to 3 premises can be added with a sum insured of up to £10,000 each.

Higher limits are available upon referral. You must include details of the type of stock and security arrangements at the third-party premises.

When obtaining a quote via RSA Online, the heating at all premises must be able to comply with our heating policy. This is defined as follows:

"Heating is via fixed heaters fuelled by oil, gas or electricity, or portable heaters fuelled by electricity with a concealed element and use is restricted to office areas only.

"Pressure jet heaters, open fires and stoves are not used.

"If oil or waste oil are stored, the tank must be contained within a bund with a capacity equivalent to 110% of the maximum capacity of the tank. Any waste oil heater must be registered with the appropriate local authority, licences held, and it must be operated in accordance with the manufacturer’s instructions and specifications."

If you’re using Acturis, we compare the heating type and fuel type to determine eligibility. Acceptance is broadly aligned to the heating policy above.

We may accept non-standard heating installations upon referral. You must include full details of the heating type and fuel used.

We accept all types of listed buildings if the business is a tenant, and not required to insure the building. The following are unacceptable if buildings insurance is required:

• Grade 1
• Grade A
• Grade B Plus
• Those with a preservation order

If you’re obtaining a quote via Acturis, we will accept all risks where the ‘Building roof is flat or partially flat’ question is ticked. Our eligibility is based on the building’s construction methods and their combustibility. This question is not asked on RSA Online.

Consideration must be given to the construction methods of the roof. This includes whether it is deemed ‘standard’, being either slate, tile, metal, or concrete.

We would consider a flat or partially flat slate, tile, metal, or concrete roof as standard. All other construction materials must be disclosed along with their percentage.

Construction eligibility varies based on a materials combustibility and its percentage of the whole building. In isolation, we will accept buildings with up to 50% felt on timber roofs. We may consider higher percentages upon referral.

The Electricity at Work Regulations 1989 state that electrical systems should be maintained “so far as is reasonably practicable” in a safe condition. The regulations do not specify how this is to be achieved but the accepted practice is to adhere to the Institution of Electrical Engineers Regulations for Electrical Installations. This can be otherwise known as IEE Regulations.

We may make it a condition that the regulations are complied with. Otherwise, cover may be reduced.

Adding a note of interest, such as a bank interest, does not extend any rights under the policy to the interested party.

Our policy wording already includes an Other Interests extension. It should satisfy most requests to add specific notes of interest, such as:

Other Interests

'It is agreed that the various parties may have a legal interest in part of the property insured by this policy and the policyholder undertakes to declare the names, nature and extent of any interest of any such parties at the time of damage.’

If required, interested parties can be captured on Acturis by entering the interested party name in the Material Damage section. The interest will be shown on the schedule in respect of buildings only.

Typical pub entertainment such as pool, darts and quizzes are acceptable at any frequency.

We will allow most live entertainment and private functions up to 4 times per week, if no entrance fee is charged. If a fee is charged, the business is more likely to be considered an entertainment venue, which is not supported by the product.

We will consider providing temporary Property and Liability insurances for bouncy castles, discos and firework displays. This must be upon referral with full details of the event, and appropriate risk management information.

Exotic dancers/strippers/lap dancers are unacceptable.

We provide cover for goods in transit in vehicles owned or operated by the business (Carryings) or despatched by road, rail or road carrier (Sendings) within the United Kingdom of Great Britain and Northern Ireland, the Isle of Man and the Channel Islands.

• Annual Carryings up to £2 million total, or £25,000 per vehicle
• Annual Sendings up to £2 million, or £25,000 per consignment and £10,000 per package

Transit cover is not available for haulage and removals risks where property is carried for hire or reward.