Business Combined

  • Perfectly simple e-trading

Suits: SME's

Your customers want tailored insurance that protects everything that matters to their business without paying for cover they don’t need. Business Combined is the simplest way to e-trade bespoke cover for customers requiring a mix of material damage and liability covers.

For new business and renewals transacted from 01 April 2020 we would like to draw your attention to the Important Notice to Policyholder document outlining changes to the policy wording.

Perfectly simple and delivered via RSA Online and Acturis. With Improved cover and a flexible range of extras to choose from, our Business Combined product gives your business customers the tailor-made cover they need.


Tailor cover for your business customers across a range of risks

  • Total property exposure up to £20 million with no limit on turnover - our highest ever

  • 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
  • Enhanced capabilities including floating cover for contents, cover for stock at third-party premises, and cover for exports to North America

  • Easy-to-apply flexible options for bolt-on covers

  • Suitable for customers with more complex risk profiles

  • Accommodates a wide range of sectors Competitive premiums and risks, up to 95% eligibility

  • Competitive premiums


And now with new free-to-use tools to help you win more business in the commercial market:

Online Business Interruption Calculator - make under-insurance a thing of the past

Online Risk Management Consultation - Help your customers understand their risks and protect their people, premises and profits.


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


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