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


Chris Brian
Sales Manager
Midlands and West
Steven Edwards
Packages Underwriting Leader
Andy Bartley
Sales Manger
North West
Laura Fox-McMenamin
Sales Manager
0141 282 8309
Jon Breitsprecher
Sales Manager
London and East Anglia
07921 883649

Claims Information

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