Commercial Combined insurance

• Retail
• Wholesale and distribution
• Office (turnover up to £100m)
• Recreational and leisure
• Manufacturing

• Are UK companies with no overseas locations to be insured (for overseas locations, see Risk Managed Property)
  Have premises-based exposures with up to 20 UK locations (see Risk Managed Property for insurance to cover more the 20 premises)
  Have good risk management and claims experience
  Are committed to risk management and risk control, at owner or board level
  Can provide detailed submissions that help us understand the business to provide the best proposition
  Have a turnover between £5m and £50m

If the business sits outside these criteria, we may have a more suitable solution – browse our products or get in touch for more.

This product is not designed for these types of business:

• Turnover less than £1m should be traded through Business Combined
• Recycling and waste
• Businesses involving animal testing
• Adult entertainment industry
  

• 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.