A Commercial Combined package policy is designed to simplify the covers for SME businesses and offers the main standard covers, along with several additional covers and extensions (which can vary by provider), in one packaged contract.

These products are available for many trades and offer cover for material damage for buildings, contents, stock and goods in trust, plant and machinery, public and employer’s liability and business interruption, which is vital to cover expenses or loss of income/profits, should an insured peril stop the business from trading for a period of time.

Additional optional covers available can include, Money Cover on the premises or at directors’ homes, Good in Transit, Legal Expenses, Computer Breakdown, Deterioration of Stock, Stock in the Open, Loss of Licence, Fidelity (employee dishonesty) cover, Management Liability (Directors & Officers) and Engineering (Insurance and Inspection)

The team at PMJ Risk Solutions will be happy to discuss your requirements and provide the best solution for your business.