Commercial Combined Insurance

  • Property Damage,
  • Business Interruption,
  • Liability Insurance

Suits: UK corporations

We have been making some big improvements to our Commercial Combined proposition that will help you grow your business and satisfy your customer in a new way. One of the biggest changes you will see is how we trade, get in contact with us and find out more.

A new flexible package product using completely new warranty free policy wording.

  • Property cover for buildings, content and stock
  • Business interruption insurance
  • Employers liability insurance
  • Public/products liability insurance

For a full copy of the wording, please contact your local underwriter at RSA.

A wide range of additional optional covers are also available:

  • Terrorism insurance 
  • Goods in transit insurance
  • Legal expenses
  • Computer insurance
  • Loss of liquor license
  • Machinery breakdown
  • Money
  • Deterioration of stock insurance
  • Personal accident insurance
  • Fidelity (employee and third party fraud)

Sweet spots

Examples of where we have a particularly strong appetite, are actively targeting, and have been found to be at our most competitive.

  • Retail
  • Wholesale and distribution
  • Office (turnover up to £100m)
  • Recreational and leisure
  • Manufacturing and warehousing: metal, plastics / wood / electronic trades

Positive risk features

Factors we will take into account to make our sweet spots even more competitive.

  • UK companies with no overseas locations to be insured
  • Premises-based exposures with up to 20 UK locations
  • Good risk management and claims experience
  • Owner or board level commitment to risk management and risk control
  • Detailed submissions that 'tell a story' and show an intent to work with an insurer
  • Turnover between £5m and £50m


Risks we would never write, or write only rarely forming a small part of a wider portfolio.

  • Turnover less than £1m should be traded through SME (unless if contents sum insured >£250k)
  • Recycling & waste
  • Business involving animal testing
  • Converted country mansions
  • Adult entertainment industry
  • Unoccupied properties


Steven Edwards
Packages Underwriting Leader
Andy Jones
Sales Manager
Birmingham and Leicester
07785 458966
Lisa Brennan
Sales Manager
Bristol and Cardiff
07834 944482
Laura Fox-McMenamin
Sales Manager
0141 282 8309
Jon Breitsprecher
Sales Manager
London and East Anglia
07921 883649
Andy Bartley
Sales Manger
North West
Ryan Bendelow
Sales Manager
07894 175674

Claims Information

Property Claims:
0330 102 4100
Third Party Property Damage Claims:
0141 285 8057
Injury Claims:
0161 235 3737