- Flexible and wide cover,
- Property damage,
- Business interruption
Our Small Business Combined (SBC) product is specifically designed to suit the needs of small warehousing, manufacturing and wholesale businesses. We offer a wide range of covers including Property Damage, Business Interruption and Liability.
This product is suitable for businesses:
- operating from single tenure, purpose-built premises
- with a turnover of less than £5m
- with up to 5 premises
- not involved in exports to North America
Cover can be built to meet your customers' needs:
- Property damage cover for buildings, contents and stock - up to £3m per premises
- Contents cover for computer equipment up to £100,000
- Tenants improvement up to £2m
- Business interruption cover up to a gross profit figure of £2m and up to 36-month indemnity period
- Employers' liability
- Public/Products liability
- Money cover
- Goods in transit
- Computer breakdown
- Legal expenses
- Personal accident
- Specified all risks cover available for items of equipment e.g. laptop
Examples of where we have a particularly strong appetite, are actively targeting, and have been found to be at our most competitive.
- Builder merchants
- Precision engineers
- Vending machine wholesalers
- Joinery manufactures
- Clothing wholesalers (excl. leather)
- Sign making (plastic)
Positive risk features
Factors we will take into account to make our sweet spots even more competitive.
- Single tenancy
- Low claims frequency
- Good alarm & physical security
- Standard construction
- Length of time in business
- No motor, marine or aviation industry exposure
- No unattended processes
Risks we would never write, or write only rarely forming a small part of a wider portfolio.
- Exposures greater than £5,000,000 SI/MD/BI
- Floating covers
- Overseas exposure
- Turnover greater than £5,000,000
- North American Exposure
Did you know
Our Small Business Combined product gives you the ability to flex your rate of commission on rsaonline and Acturis from 0 to 35%
We are providing faster, simpler, more efficient ways to do business with RSA that will help us both to thrive in a tough climate. Commercial Property Express 5 delivers top quartile customer service.
When you provide us 5 key items at first notification all SME and Mid-Market Commercial Property claims up to £2,500 are express handled and settled within 24 hours of receipt, or the same day if all details are received by 12pm. As you'd expect from RSA – an Insurer with excellent technical capabilities – with Express 5 we continue to closely manage our indemnity spend and deliver a high quality claims handling service.