Why do clients need Commercial Combined cover?
- Your client will need a variety of cover such as Professional Indemnity, Cyber, Product and Employers Liability, Crime and Business Interruption
- Cyber attacks are now part of the world we live in, and your client may need help to protect their business
- Your client could face a claim against them such as professional negligence or duties
Why choose Aviva's Commercial Combined cover?
Our Commercial Combined insurance brings together a number of covers, so your client doesn't need to manage or pay for multiple separate policies. We can consider businesses in the technology, retail, business services and industrial sectors.
What cover is available?
- Business Interruption - here to help your client get back on their feet and trading as usual if they're impacted or have to close their doors due to an unforeseen insured event
- Commercial Crime - this cover can help protect your clients business from financial loss suffered due to fraud or dishonesty.
- Cyber - any business that uses a computer program or system could be at risk from a cyber attack and there's a wide variety of attacks that cybercriminals could inflict on a business
- Employers’ Liability - required by law if the business has any paid or unpaid employees, this provides cover if anything happens to their employees as a result of the work they do
- Legal Expenses - whether it’s debt recovery, an unexpected employment dispute, damage to property or client contract issues, this cover can provide reassurance if your client faces misunderstandings and disagreements that result in legal action
- Management Liability - this cover can help protect individual directors, officers and companies against claims alleging a wrongful act
- Money and Assault - if your client has lost money, whether by accident or theft, we can help to protect against losses from their premises, at their home and whilst in transit
- Personal Accident - this cover is designed to provide protection for the business and support for the employee or employee's family if they experience a work accident, death or serious injury
- Products Liability - if your client sell items, product liability insurance covers your clients business if one of their customers or member of the public becomes ill or suffers an injury because of a product they've supplied
- Professional Indemnity - If your client offers advice or services, this cover can help to protect their business against claims of professional negligence, errors or omissions, or a breach of professional duties / civil liberties
- Property Damage - provides cover in the event of damage to contents, machinery and plant or fixture and fittings in your client's business
- Public Liability - supports your client with legal fees and compensation pay-outs if your client is accused of causing injury or property damage
Did you know?
Your clients will also be given access to Aviva Businesslaw, powered by Farillio. With access to business and legal guides and help with topics from branding to tax planning, it could help support your clients towards their everyday business objectives.
What can be covered under a Commercial Combined policy?
Business Services
From architects to interior designers and IT consultants, we can offer cover for a wide variety of clients who provide a service with or without a fee.
Industrial
For businesses that transform raw materials and manufacture components and finished goods, including manufacturers of wood, plastics and fabricated metal products.
Technology
Our Technology product is designed for a wide range of technology and electronics businesses, whether they specialise in web development, computer system design or manufacturing.
Retail
The UK retail industry is really diverse - from high street chains to pop-up stores, local businesses and online stores.
Get a quote
To get a quote for Commercial Combined, please contact your usual underwriter.
Claims
Our dedicated claims service is there whenever your client needs us – they can call our 24/7 claims line or email us anytime.
Your client will be allocated a claims handler, who will support them throughout the entire process, but they’ll also have access to our panel of solicitors working in litigation and claims investigation.
Our defence excellence team will be on hand to help protect your clients against fraudulent claims and also give advice on best practice procedures and legislation that can help companies enhance their risk management strategies.
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