Every business is different and at Mercia Insurance we can tailor your insurance policy to meet your individual requirements.
A commercial combined policy is flexible and can include the various sections of cover your business needs. The main sections are:

Material damage

This section covers the main physical assets of the business for example buildings machinery and stock

Business Interruption

This section is designed to cover your loss of income whilst you are not trading or not trading at your normal level due to an interruption to the business caused by an insured event.

Employers Liability

This cover is compulsory if you are employing staff. It provides cover for your business if any of your employees are injured during the course of the business and they establish that the business is responsible.

Public and Products Liability

This cover provides the business with cover against claims from a third party for injury or damage to their property as a result of a negligent act.

Goods in Transit

This provides cover for loss or damage to goods whilst in transit
A commercial combined policy can also include cover for specific items on all risks basis, loss of money and legal fees.