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Improved policy cover for existing policyholders – Commercial Combined Migration is coming!

25 November 2020

We’re continually reviewing our products to ensure the cover we provide is competitive in an ever-changing market. In December 2019 we released our Commercial Combined suite of products, offering more cover as standard, instant documentation and the flexibility to custom-build what your clients need.

From February 2021 we’re migrating most existing policies as listed below onto our new product wording, effective from the policy renewal date:

  • Commercial Combined
  • Traders Combined
  • Contractors Combined
  • Retailers Combined
  • Wholesalers Combined
  • Manufacturers Combined
  • Hotel & Leisure Combined
  • Liability Combined
  • Cyber Cover

What are the main benefits of the Commercial Combined suite of products?

More cover included as standard Easier to trade Saving you time
Greater business protection with increased limits and new extensions Pre-populated Statement of Fact Instant documentation – emailed immediately and stored on TheHub
Higher limits available on request Commission breakdown by section Pre-populated renewal declarations from 2022

View our infographic for the full list of benefits.


The new wordings are making a huge difference to our brokers. See what one of our brokers has to say:

“We are pleased with the improved products and the ability to download documents is a massive bonus. New business cases have gone really smoothly and clients are very happy.”

Saffron Insurance

How will the renewal process work?

Nine weeks before renewal you’ll receive an email to let you know which of your policies will be migrating onto the new wording. Our Central Migration Team will then be in touch to clarify any additional information and finally, you’ll negotiate terms of the renewal with your underwriter.

If you have any questions, please speak to your Senior Business Development Manager or regional contact.