Commercial products

Office combined

Office 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.

Why us?

Our Office Combined policy is truly flexible, allowing you to pick and mix the cover that is relevant to each individual customer. Designed to suit a wide range of requirements, Office Combined is the easiest way to find a package product which offers bespoke cover for customers.

What we cover

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

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

Other benefits

Other benefits worth highlighting include:

  • Total property exposure up to £20 million

  • 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

  • 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