Commercial Combined
We have over 125 years experience in underwriting commercial risks. Commercial Combined offers business protection for single-site or multi-site risks.
Why choose NIG for Commercial Combined?
- Single policy customised to your clients’ needs.
- Instant documentation.
- Statement of Fact basis – no need for proposal form.
- Regional expertise – talk to empowered decision makers in your local trading office.
- Dedicated Claims Account Managers and efficient claims service.
- In-house Risk Control Team and risk management advice.
- A-rated insurer (A2 Moody’s).
What's covered
This is a summary of the cover available. Please refer to your policy wording for full terms and conditions.
Higher limits available upon request.
| Cover | Standard limits |
|---|---|
| Material damage | |
| Stock at third party storage sites | £50,000 in UK / £25,000 in European Economic Areas (EEA) |
| Loss minimisation and prevention expenditure | £25,000 for any one loss |
| Stock at exhibitions includes plant and machinery | £50,000 in UK / £25,000 in EEA |
| Business interruption | |
| Additional Increased cost of working | £50,000 |
| Unspecified customers and unspecified suppliers extension | £100,000 in UK / £50,000 in EEA |
| Liability | |
| Financial loss | £250,000 |
| Libel or slander | £100,000 |
| Environmental statutory pollution clean up costs | £250,000 |
| Corporate manslaughter | £1,000,000 |
| Other section details | |
| Legal expenses | £150,000 |
| Terrorism | Available |
| Computer and Cyber | Available |
Sections available
- Material damage
- Business interruption
- Goods in transit
- Terrorism
- Loss of business money and personal accident (assault)
- Employers’ liability
- Public liability
- Products liability
- Glass breakage
- Specified all risks
- Deterioration of stock
-
- Engineering damage to machinery and plant
- Engineering inspection
- Engineering business interruption
- Computer and cyber
- Loss of licence
- Fidelity guarantee
- Legal expenses
- Personal accident
- Contractors all risks
Documents
The following policy documents apply to policies incepted on or after 2 September 2024 or renewal dates on or after 2 September 2024.
