Commercial combined insurance
Everything your business owns, in one well-structured contract.
- Business interruption
- Covered
- Assistance
- 24 h
- Consolidated policies
- Yes
More policies do not mean more protection.
Most businesses accumulate policies from different periods that overlap on some covers and leave gaps in others. A well-designed commercial combined policy brings together buildings, contents, machinery and, above all, business interruption: the income lost while operations are at a standstill.
We start with an inventory: which policies are in place, what sums insured, which renewal dates. The result is usually fewer contracts, better cover and centralised management.
What it protects.
The site, area by area. Choose a cover to see where it applies.
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Warehouse, offices, installations, furniture, machinery and stock.
Where it appliesOffices, Premises, Production, Warehouse
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Gross margin and fixed costs while operations are at a standstill.
Where it appliesThe entire site
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Electrical damage to equipment and machinery breakdown, from the offices to the production line.
Where it appliesOffices, Premises, Production
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Theft with violence and vandalism, in the building and at its access points.
Where it appliesOffices, Warehouse, Loading bay
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Third-party damage arising from the running of the business.
Where it appliesWhere your operations meet third parties: yard, access routes and loading bay
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Assistance and emergency repairs in any area of the site, at any time.
Where it appliesThe entire site
The most overlooked cover is business interruption. And it is the one that decides whether the business reopens.
- What it covers
- Gross margin and fixed costs while operations are at a standstill.
- What is business interruption?
- The cover that pays fixed costs and lost margin while the business cannot operate after an incident. It makes the difference between a setback and a closure, and it is the one most often overlooked.
The most costly mistake
Underinsurance. If the declared sum insured is lower than the actual value, compensation is reduced in the same proportion.
We update replacement values and stock before every renewal.
In the event of a claim, the insurer would pay 70 % of the loss.
Indicative example of the average rule. Each policy sets its own conditions.
To prepare the review.
The more complete the information, the more accurate the comparison.
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Questions about commercial combined insurance.
How do I know if I am underinsured?
By comparing the declared sum insured with the actual replacement value. We check this in the review: it is the most costly and most common mistake among SMEs.
Can I combine several policies?
Almost always. As well as removing overlaps, it usually works out cheaper. We look at it with your current contracts in front of us.