Commercial products

Traders combined

Traders Combined offers tailored insurance that protects everything that matters to your business, without paying for cover you don’t need. If your business needs a mix of material damage and liability covers, it’s a great solution.

Why us?

Our Traders Combined policy is truly flexible, allowing you to pick and mix the cover that is relevant to each individual customer. This means they only pay for cover they want and not for added extras that they don’t.

Designed to suit a wide range of sectors, Traders Combined is the easiest way to provide bespoke cover for customers that require a mix of material damage and liability covers.

Other benefits

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.

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.

Your cover

Traders 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

  • Goods in transit

  • Floating contents; stock; computer equipment