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.
Why choose RSA?
Our Business Combined policy lets you pick and mix the cover that's relevant to each customer. This means they only pay for cover they want, and not for added extras they don't.
It's tailored cover for customers that require a mix of material damage and liability covers.
Product changes and enhancements
Business Combined is rated 5 Star by Defaqto, and stands out in the market for its cover and high inner limits.
See how our changes enable more business to go straight through online. Whether you use RSA Online, Acturis or another platform, Business Combined lets you e-trade more of your customers.
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
- Increased appetite for turnover from £3.5 million to £7.5 million, reducing referrals by 71%
- 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
E-trading with us helps you do business more efficiently. You can typically expect an instant decision on 9 out of 10 cases*. Of the minority that refer, we aim to resolve 90% on first contact**.
More highlights of our Business Combined service
- 95% of brokers rated our live chat excellent or good***
- Average live chat response time, once the query is logged, is 21 seconds***
- Average telephony wait time of 44 seconds***
- Single contact number: 0345 878 0071
- Single email mailbox
Advantages of e-trading on RSA Online
RSA Online helps you do more business easier, with new features to support growth and improve trading.
- 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 24-hour claims helpline.
Our dedicated teams will provide a fast and efficient claims service to 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, offering advice to help them understand their position.
Proactive renewals
Up to 200 proactive renewals are made each month across RSA Online and Acturis.
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
Business Combined 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.
*RSA data January - December 2023
**RSA data September 2023 - January 2024
***RSA Business Combined service metrics April 2023 - March 2024