Whether you have just started a new business or been established for years, there are many risks which could threaten your ability to trade and at Henry Seymour & Co, we will work with you to ensure your business is fully protected.

For businesses that do not fit into a package type policy (shops, offices, hotels, restaurants), a commercial combined policy is the ideal solution.  Commercial combined policies will provide complete cover for your business incorporating many covers under one policy.

These types of policies are designed to meet the needs of most businesses where some manual work is involved.  This would include manufacturers, wholesalers, distributors, repairers, printers, finishers, engineering companies, contractors and high risk specialist trades.

Whatever your trade, Henry Seymour & Co will search the market to find the policies that most suitably meet your commercial business insurance needs.  

Each commercial combined policy will be tailored to meet the specific needs of your business and you will benefit from comprehensive cover at a competitive rate – ensuring you only pay for the cover that you actually need.

If you are unsure what covers you need, just contact us and our friendly advisers can explain the options available.

Typical Policy Cover

Material Damage

Cover to protect your property (buildings, contents, stock, fixtures and fittings) from a range of perils including fire, flood, storm, theft and accidental damage.

Business Interruption

Covers the loss of profits/revenue from your business following loss or damage at your premises.  This cover is designed to help the business return to a normal trading position as soon as possible.  Cover can be extended to include ‘book debts’ in the event that all accounting records at the premises are destroyed.

Public Liability

Covers compensation claims made by the general public, clients and customers for injury or property damage arising out of the negligence of your business.  Cover can be extended to include any work away from the business premises.

Products Liability

Covers compensation claims made by the general public, clients and customers caused by any products supplied or manufactured by your business.  

Employers’ Liability

This is a compulsory cover within the UK if you employ staff and covers your legal liability for injury happening to your Employees whilst at work.     

Money & Assault

Cover to protect your business money on the premises in and out of business hours, in safes or at the homes of directors or employees.  Benefits are also available in the event that a member of staff is assaulted as a result of theft or attempted theft of money.

Goods in Transit

Cover to protect your property against damage whilst in transit anywhere in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man.  Cover available for goods transported in your own vehicle or sent by a carrier.  

Exhibition Cover

Cover to protect your property against damage whilst at an exhibition anywhere in the UK, EU or Worldwide, including transit to and from the exhibition.  Typical items covered will be any exhibition stands and equipment together with any stock held for sale.

Specified Items ‘All Risks’

Cover is available to protect specified items at the premises, within the UK, EU or Worldwide.  Typical items covered will include laptop computers and mobile phones.

Legal Expenses

Cover for your legal costs and expenses in pursuing or defending an employment or property dispute.  Compensation available for tax investigations and jury service.  Access to legal helplines is also often provided.

Optional Extensions

Terrorism

The insurance industry excludes Terrorism cover from all insurance policies and this valuable cover can be added at an additional cost.

Computer & Equipment Damage & Breakdown

Cover for the sudden and unforeseen damage, breakdown and failure of any computers, machinery or plant including any resultant interruption to your business.  

Engineering Inspection

Cover is available for the statutory inspection of any lifts or engineering plant.  

Request a quote NOW or contact us for further information.