Business Combined
Flexible commercial insurance that enables smooth e-trade for SMEs of all sizes, even larger risks. Includes cover for liability, business interruption, buildings and stock.
A simpler way to e-trade SME business, including larger risks
We've changed our product wording and underwriting rules for Business Combined. This means business previously traded manually can now be traded online.
For you, it's quicker, easier and more efficient.
A flexible e-traded product
Our Business Combined cover offers the core benefit of Property Damage insurance, and creates the perfect combined insurance package. Your customers can add extra cover to build their own modular cover.
Defaqto liked our Business Combined cover so much they gave it 5 Stars!
Cover highlights that set us apart
- Total Property Damage exposure up to £20 million - our highest ever
- No limit on Business Interruption
- No limit on turnover
- Increased appetite across Property Damage, Business Interruption and Manual Wage Roll
- Refreshed security rules and increased stock limits at which an intruder alarm and/or increased physical security is required
Improved alarm installation and physical security requirements. We also include an 8-week grace period after your cover starts
- Improved construction rules, allowing more non-standard, non-combustible risks to quote without referral
Benefits of e-trading with us
RSA Online helps you do more business easier, with new features to support growth and improve trading.
- Single contact number: 0345 878 0071
- Single email mailbox
- Easy-to-navigate, straight-through experience with fewer questions to answer
- From trade to flood risk, you can check your customer's eligibility before you input their full details
- Retargeted quotes automatically generates a new quote for Business Combined risks lost or quoted last year
- Dynamic referrals trigger common questions upfront, helping to resolve referrals quicker
Get an expert claims team on your side
We understand the impact a claim can have on your customer's business. That's why we have a dedicated claims helpline.
Our expert claims teams will aim to provide a fast and efficient claims service to help get people and business back on track as quickly as possible.
Increased appetite
Get clear guidance on target customer types, how to buy Combined insurance, and what sets RSA apart.
Legal helpline
Business Combined cover includes a legal helpline for customers. Our expert teams offer advice to help them understand their position.
What is covered by Business Combined?
Business Combined cover includes compulsory property damage cover, as well as:
- Computer equipment
- Stock
- Target stock
- Buildings
- Tenants improvements
- Rent
- Business interruption
- All risks
- Deterioration of stock
- Loss of liquor license
- Money
- Terrorism
- Employers' liability
- Public and products liability
- Machinery breakdown
- Fidelity insurance
- Personal accident insurance
- Legal expenses insurance
- Goods in transit
- Floating contents, stock and computer equipment
Positive risk features
- 2 or fewer property claims in the past 5 years (claim value of less than £10,000 for any one claim or less than £25,000 in total)
- No more than one liability claim in the past 5 years
- Standard construction
- Fully occupied, single tenure premises
- No history of flood or subsidence losses
- Premises where the total sum insured under property damage and business interruption is below £1 million
- Stock in the open sums insured not exceeding £25,000
- No more than £500,000 of floating stock at any one location
- No more than £10,000 of stock at third-party premises
- Premises that are not listed or under a preservation order
- Businesses that have IEE Electrical Certificates
Documents and downloads
View and download policies, fact sheets and more.
Our Business Combined brochure, with in-depth information of the product.
A detailed summary of the cover provided.
Full policy wording.
Risk management
View and download our guides, featuring tips and in-depth information on risk management.
Practical risk management advice for Wholesale risks.
Practical risk management advice for Manufacturing risks.
Practical risk management advice for Offices.
Practical risk management advice for Shops.
Find out more about our Commercial insurance
Commercial insurance packages
We offer a range of business insurance packages to suit your clients’ needs. Explore our combined options, products for offices, shops, tradespeople and more.
Liability insurance
Explore our liability cover options. We offer liability insurance for SMEs and global corporations alike, making sure your clients have the cover they need.
Commercial combined insurance
More complex manually traded business insurance options.