Business Combined
Flexible e-traded commercial insurance designed for a wide range of SMEs, including cover for liability, business interruption, buildings and stock.
Why choose RSA?
Tailored cover for liability and material damage
Business Combined offers tailored insurance that protects everything that matters to the business, without paying for cover you don't need. If the business needs a mix of material damage and liability covers, it's a great solution. It's e-traded too, so you can get a quote and buy online.
Defaqto liked our Business Combined insurance policy so much they gave it 5 Stars!
Other benefits worth highlighting include:
- Total property exposure up to £20 million with no limit on turnover - our highest ever
- We cover ‘trading online’ and recognise the new normal for many small businesses to allow them to survive and thrive
- We offer 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 customers with more complex risk profiles
- Goods in transit, if selected includes sending by post, rail or road carrier
- Easy to apply flexible options for bolt-on cover
Risk appetite and cover
Find out more about our risk appetite by exploring the tabs below.
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
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
There are particular areas where RSA has strong expertise including;
- Manufacturing: Engineering and metalwork, electronics, plastics, wood, glass and ceramics, clothing and textiles, food and beverage
- Wholesaling: Engineering and metalwork, electronics, plastics, glass and ceramics, clothing and textiles, food and beverage
- Printing
- Leisure
- Administration
- Two or fewer property claims in the past five years, provided that the claim value is less than £10,000 for any one claim or less than £25,000 in total
- No more than one liability claim in the past five 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 £1,000,000
- 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
We continue to have no appetite to write most trades in the following sectors:
- Aviation
- Care
- Equestrian
- Laundry
- Marine
- Pharmaceutical
- Chemicals
- Waste
- Waste and recycling facilities
Get an expert claims team on your side
Helping businesses be safer, stronger, and more resilient
Documents and downloads
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