Commercial Combined

Commercial Combined is a flexible packaged product that can provide cover for businesses with 10 or fewer premises in manufacturing, wholesale, or the provision of services, sports, arts, community and leisure facilities. Commercial Combined can cover property and liabilities for businesses and includes sector specific covers to suit different requirements. 

Flexible cover

A range of cover for manufacturers, food and drink trades, wholesalers, sports and leisure facilities, subject to eligibility criteria.1

One policy wording, traded your way

With one policy wording for on and offline, we're giving you the flexibility to trade your way and provide a product that can be adaptable as your clients grow.

Dedicated underwriting support

If your Commercial Combined quote doesn’t quite fit the online criteria, you can easily refer it to a dedicated team of offline underwriters to help you quote for more business.

Product details

Why Aviva Commercial Combined?

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

  • Quotes available online, supported by Live Chat for any queries.*
  • Average free Property cover when traded online (subject to maximum sum insured payable).
  • Sector-specific beneficial covers, such as burn in testing and non-ferrous metals for technology risks, providing more tailored solutions for your clients.
  • Money and assault, legal protection, public liability and employers liability provided as standard.

*Live Chat only available via Fast Trade


Additional clauses

To provide a flexible solution for different sectors, we provide a number of additional covers that can be included within the product based on the sector the business operates within. These include:

  • Metal workers extension.
  • Burn-in testing.
  • Non-ferrous metals.
  • Damage to playing surfaces.

There's also the option to cover buildings, tenants improvements, goods in transit, business interruption, computer breakdown, machinery damage, terrorism, employee dishonesty and personal accident.

1Eligibility criteria

  • Up to £10 million maximum total combined sum insured per risk location. Limits vary dependent upon specific trade.
  • Up to £10 million maximum total turnover. Limits vary dependent upon specific trade.
  • 10 risk locations maximum.

Terms, exclusions and limitations apply. Please see individual policy wording for full details.


One policy wording, traded your way

By aligning our policy wordings between online and offline, we’re able to provide a product that you can trade your way, and that can be flexible to meet the needs of a business as they grow.

For larger businesses, our Commercial Combined product traded via one of our regional branches can provide cover for businesses for up to £250m turnover in the manufacturing, retail & wholesale, leisure and services sectors.

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

Better yet, we’ve a dedicated underwriting team for digital Commercial Combined. The team of Mid-Market specialist underwriters sit within our digital underwriting teams in Perth. Their purpose is to help with quotes that have been referred from a digital journey and understand how they can find a solution either back online, or through our flexible Mid-Market product. The introduction of one policy wording between online and offline helps to provide a more seamless journey for risks that don’t fit our online criteria.

Terms, exclusions and limitations apply. Please see individual policy wording for full details


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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