Commercial Combined

This is a quality packaged product which caters for SMEs with up to 10 premises in the manufacturing, retail and wholesale, services and leisure sectors.

Average Free Property Cover

Including seasonal increase of stock, temporary removal, and trade samples

Flexible cover

A broad range of cover for manufacturers, food and drink trades, wholesalers, sports and leisure facilities, subject to eligibility criteria*

Aviva Risk Management Solutions (ARMS)

A dedicated service to help UK businesses manage their risks

Product details

Why Aviva Commercial Combined?

Our Commercial Combined cover features a range of benefits to support your client and their business.

  • Simple and quick online question sets, supported by Live Chat for any queries
  • Average free Property cover (subject to maximum sum insured payable)
  • Automatic uplifts to the contents and buildings sum insured, providing valuable extra protection
  • Sector specific beneficial covers such as Burn in Testing and Non-Ferrous Metals for Technology risks, providing more tailored solutions for your customers
  • Money and Assault cover
  • Uplifts to the selected Business Interruption cover and indemnity period
  • Automatic £500k legal protection including cover for debt recovery, and employment and contract disputes


*Eligibility Criteria

  • Up to £10m maximum total combined sum insured per risk location**
  • Up to £10m maximum total turnover**
  • 10 risk locations maximum 

**Limits vary dependent upon specific trade


There is also the option to cover Buildings, Tenants Improvements, Goods in Transit, Computer Breakdown, Engineering Breakdown, Terrorism, Employee Dishonesty and Personal Accident.

Regionally Traded Commercial Combined

For larger business or more complex risks, our flexible, locally traded commercial combined product provides a range of covers for businesses in the following sectors:

  • Manufacturing
  • Retail & Wholesale
  • Leisure  
  • Services

Cover can be flexible based on customer requirements,  incorporating Property, Business Interruption, Liability, Specialist Lines and Legal Protection. 


We recognise the impact a claim can have on your client's business, and aim to get things back to normal as quickly as possible.

You can find out more about our claims process by visiting Our Claims Service page.

Quote and buy

You can quote and buy this product through Fast Trade.
Alternatively, for those clients who do not meet Fast Trade eligibility or have more complex needs, please contact your local trading office.

Visit Fast Trade

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Cross-sell opportunities


Flexible motor policy for businesses that have between 1 and 12 business vehicles.

Commercial Crime

Comprehensive protection against theft or fraud by employees, and if selected, by third parties.

Contact your local trading office for more details.

Group Personal Accident, Sickness & Business Travel

Protection for the business against the effects of staff absence and accidental injuries.


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