Commercial Combined – more flexibility, more control

Following the de-packaging of Employers' Liability and Legal Expenses cover in July 2025, we’re continuing to evolve our Commercial Combined digital offering, to give you greater flexibility and control when placing business online.

What’s new?

With effect from 22 September 2025, Public and Products Liability have become optional covers¹ for new business customers – available on both Fast Trade and Acturis eTrade.

_{1 Products Liability cover can only be selected alongside Public Liability whereas Public Liability can be selected in isolation.}
  

Why this matters:

• More modularity - means you can tailor cover to suit your clients’ needs
• Greater flexibility - allows more business to be placed online
• Simplifying our ‘core’ offering - will help you serve a broader range of clients more efficiently
  
  

What about existing customers?

They’ll benefit from this change at renewal, where this falls on or after 2 November 2025.

We’ll continue to generate a Public & Products Liability cover section for existing customers at renewal to maintain existing cover levels. Therefore, it’s important to review the needs of each client as they’ll now have even more options available to them.

And if your client doesn’t need these covers, you can simply deselect them to create a more bespoke solution and price.

What’s next?

Next up will be Contents & Stock - we’ll be in touch when this next enhancement is ready for roll-out.

We remain committed delivering a fully modular product and will keep you updated as this progresses.

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