Business Combined

• Total property exposure up to £20 million – and no limit on turnover, our highest ever
• Cover of ‘trading online’, recognising the new normal for many small businesses, allowing them to survive and thrive
• Floating cover for contents – cover for stock at third-party premises and cover for exports to North America
• 24-hour claims notification helpline with expert and committed claims teams
• Legal helpline offering advice to get your clients back on track quickly
• Suitable for clients with more complex risk profiles
• Goods in transit, if selected includes sending by post, rail, road or courier
• Easy to apply flexible options for bolt-on cover

This policy has been updated to exclude cover for Covid-19. See the Covid-19 notice to policyholders for more.

Business Combined has a wide range of modular covers (in addition to a mandatory element of Property Damage):

• Computer equipment
• Stock
• Target stock
• Buildings
• Tenants improvements
• Rent
• Business interruption
• All risks
• Deterioration of stock
• Loss of liquor licence
• Money
• Terrorism
• Employers’ liability
• Public and products liability
• Machinery breakdown
• Fidelity insurance
• Personal accident insurance
• Legal expenses insurance
• Goods in transit
• Floating contents; stock; computer equipment

• We put you in touch with a tradesperson from our carefully selected panel.
• You pay cost of any work done, but where damage is caused by an insured event you can submit cost as part of your claim.
• If damage is significant, we put you in touch with our loss adjusting service.

• We offer fast, efficient service and impartial advice to agree the best course of action for each claim.
• Our office-based loss adjusters use video technology to deliver swift assessment and settlement of suitable losses (typically up to £10,000).
• Our field-based commercial property adjusters carry out face-to-face, on-site assessments for higher value and complex losses.
• Our LAS team has instant access to RSA Underwriting teams and policy details, enabling them to make quick claim decisions and authorise prompt claims payments to customers to help with cash flow for their business.

• Claims above a certain size and complexity need a different, often project managed approach, so our large and major loss claims handling team is made up of our most experienced claims specialists.
• The team have the skills to manage major events and protect your customers’ financial and reputational interests. 

• We work with you and your customers to plan for serious losses with potential high impact to their business.
• Our technical claims specialists will consider a potential high-impact loss scenario, discuss how the policy may respond in the situation, what action we as an insurer may take, and if necessary what risk controls could be taken to prevent the incident ever taking place. 

• A comprehensive range of reliable service providers – from drainage experts to validation and replacement of content items.
• This provides your customers with access to a large network of vetted suppliers who provide a range of property services at a competitive agreed schedule of rates.
• We ensure suppliers meet our challenging service level targets, delivering for your customers by monitoring each claim using a unique web-based platform to track both progress and costs.