Business Combined

  • Perfectly Simple

Suits: SME's

Our Business Combined proposition offers flexible insurance solutions for a wide range of manufacturing, wholesaling, supplying, retail, administrative, leisure and accommodation risks.

In short, if you want to combine cover for your customers, our product is suitable for risks with sums insured of up to £1m worth of target stock/stock, £2.5m of contents plus uplift and £5m of buildings elements plus uplift.

There is no limit on turnover, making it possible to e-trade a risk with a total property exposure of up to £20m when uplifts and Business Interruption are taken into account.

Excellent standard cover

Property Damage - Contents

To be eligible for the product, the policyholder must cover the contents of each business premises.

Contents will extend to cover Directors, Partners and Employees personal effects; wines, spirits and tobacco held for entertainment purposes; documents, manuscripts and business books.

A variety of modular covers are available in addition to the mandatory element of Property Damage – Contents.

Computer Equipment


Target Stock


Tenants Improvements


Business Interruption, (option to specify customers / suppliers on RSA Online)

All Risks

Deterioration of Stock

Loss of Liquor Licence



Employers’ Liability

Public and Products Liability

Machinery Breakdown

Fidelity Insurance

Personal Accident Insurance

Legal Expenses Insurance

Goods in Transit

Floating Contents; Stock; Computer Equipment (RSA Online only)

Case Study

eTrading for larger,complex risks

Download the case study here

Read more


SME etrade Team (Business Combined)
0345 072 4394


We express handle suitable commercial property claims worth up to £2,500. This means that we aim to conclude settlement within 24 hours* by collecting important information to validate the policy cover at first notification, and making payment by your customers' preferred methods.

*core working hours are Monday to Friday, 9am to 5pm

Property Claims:
0330 102 4100
Liability Claims:
0330 100 6479