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Business combined insurance
Comprehensive cover for property damage, business interruption, online trading and more. Designed for businesses with up to 5 commercial premises.
Cover details
Standard cover
Business combined includes property damage insurance as standard. This offers up to £20 million of cover per premises.
As a minimum, you must also include cover for contents, stock or computer equipment.
Property damage can also include cover for:
- Buildings
- Tenants’ improvements
- Rent
- Stock in trade
- Target stock
- Stock in the open – up to £25,000
- Stock at third-party premises – up to £10,000 per location
If needed, floating cover can insure items across business premises, with options for:
- Floating contents – up to £1 million
- Floating stock – up to £500,000
- Floating computer equipment – up to £250,000
See the policy documents for more details.
Optional cover
You can add extra cover for:
- Business interruption insurance – no limits
- Specified customers and suppliers
- All risks insurance
- Money insurance
- Terrorism insurance
- Liability insurance
- Fidelity insurance
- Personal accident insurance
- Loss of liquor licence insurance
- Legal expenses insurance
- Transit insurance
- Deterioration of stock insurance
- Machinery breakdown insurance
Our target customers
The cover is aimed at firms in sectors such as:
- Manufacturing
- Wholesale and distribution
- Printing
- Retail
- Recreation and leisure
- Administration
75% of trades can be insured online without referral. You can also add your own free-format description for 98% of eligible trades.
We target manufacturers and wholesalers involved in:
- Clothing and textiles
- Electronics
- Engineering and metalwork
- Food and beverages
- Glass and ceramics
- Plastics
- Wood (manufacturing only)
The cover is not aimed at consumers or those who don’t need the cover for property damage.
Risk appetite
Preferred risks
We prefer to cover:
- Standard construction buildings
- Fully occupied, single tenure premises
- Premises needing up to £1 million for property damage and business interruption
- Businesses with IEE Electrical Certificates
Non-preferred risks
We prefer not to cover businesses in sectors such as:
- Animal testing
- Aviation
- Care
- Chemicals
- Construction
- Education
- Equestrian
- Farming
- Laundry
- Marine
- Motor trade
- Pharmaceuticals
- Waste and recycling
Or businesses with:
- 3 or more property claims in the last 5 years
- More than one liability claim in the last 5 years
- Previous flood or subsidence losses
- Listed or preservation order properties
Ready for a quote?
New to the broker portal? Register now.
For account, access or admin support, see the broker portal FAQs.
RSA and NIG product migration
If your client's RSA or NIG policy is up for renewal, we're making migration simple.
Find out more about eTrade product migration.
Customers
You'll need a broker registered with Intact Insurance to buy this cover.
Contact your broker or find a broker with BIBA.
Documents
Policy documents
RSA and NIG policy documents
You can find documents for existing RSA and NIG policies in the document library archive.
Our target customers
The cover is aimed at firms in sectors such as:
- Manufacturing
- Wholesale and distribution
- Printing
- Retail
- Recreation and leisure
- Administration
75% of trades can be insured online without referral. You can also add your own free-format description for 98% of eligible trades.
We target manufacturers and wholesalers involved in:
- Clothing and textiles
- Electronics
- Engineering and metalwork
- Food and beverages
- Glass and ceramics
- Plastics
- Wood (manufacturing only)
The cover is not aimed at consumers or those who don’t need the cover for property damage.
Risk appetite
Preferred risks
We prefer to cover:
- Standard construction buildings
- Fully occupied, single tenure premises
- Premises needing up to £1 million for property damage and business interruption
- Businesses with IEE Electrical Certificates
Non-preferred risks
We prefer not to cover businesses in sectors such as:
- Animal testing
- Aviation
- Care
- Chemicals
- Construction
- Education
- Equestrian
- Farming
- Laundry
- Marine
- Motor trade
- Pharmaceuticals
- Waste and recycling
Or businesses with:
- 3 or more property claims in the last 5 years
- More than one liability claim in the last 5 years
- Previous flood or subsidence losses
- Listed or preservation order properties
Ready for a quote?
New to the broker portal? Register now.
For account, access or admin support, see the broker portal FAQs.
RSA and NIG product migration
If your client's RSA or NIG policy is up for renewal, we're making migration simple.
Find out more about eTrade product migration.
Customers
You'll need a broker registered with Intact Insurance to buy this cover.
Contact your broker or find a broker with BIBA.
Documents
Policy documents
RSA and NIG policy documents
You can find documents for existing RSA and NIG policies in the document library archive.
