Small Business Combined

  • Flexible and wide cover,
  • Property damage,
  • Business interruption

Suits: SMEs

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
  • Fidelity 
  • Computer breakdown
  • Legal expenses
  • Personal accident
  • Specified all risks cover available for items of equipment e.g. laptop

Sweet spots

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%


SME Team
0345 300 4005
Contact for: Non Platinum Brokers including Deals & Schemes

Claims Information

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.

Property Claims:
0345 071 6040
Liability Claims:
0345 071 6040