Retailers Combined

All the protection of Commercial Combined and more. This specialist wording allows you to provide bespoke cover for your Retail clients.

Who is it for?

  • Risks that fall outside our eTraded package product range.
 
  • Significantly enhanced policy limits with optional uplifts
  • Warranty Free included
  • Shortened proposal or statement of fact basis
  • Embedded legal expenses & optional Fidelity Guarantee
  • Wider engineering wording including new Machinery

Material Damage

  • Third Party Storage Sites
  • Stock at Exhibitions
  • Loss of Rent
  • Leakage of Beverages
  • Public Authorities Clause extends to include additional costs for sprinklers to comply with LPC rules
  • Inadvertent Omission to insure – £1,000,000
  • Seasonal Increase – £500,000
  • Stock at Third Party Storage locations – £5,000 any 1 loss, £25,000 aggregate
  • Trade Samples anywhere in EEA – £500 any 1 item, £10,000 any 1 claim
  • Further investigation costs – £5,000
  • Loss Minimisation and Prevention expenses – £25,000


Business Interruption

  • Unspecified Suppliers
  • Unspecified Customers
  • Failure of Utilities Supply - £25,000 with a 3 month indemnity period
  • Closure due to drains, vermin, pests or public emergency – up to Sum Insured
  • Loss of attraction – £50,000
  • Extended supply chain – £50,000

Employers Liability, Public Liability and Products Liability

  • Corporate Manslaughter

Public Liability and Products Liability

  • Financial Loss
  • Environmental Statutory Clean Up Costs
  • Legionellosis

Public Liability

  • Libel and Slander

Option for a Fixed Rate Agreement

  • Arts & Crafts
  • Audio Equipment
  • Cash & Carry
  • Clothing
  • Computer
  • Department Stores
  • DIY/Hardware Outlets
  • Electrical Goods
  • Fishmongers
  • Food
  • Furniture
  • Grocers
  • Hairdressers/Beauticians/Beauty Salons
  • Kitchen Furniture
  • Motor Spare & Accessories
  • Shoes
  • Stationers

The following Policy Documents apply to policies incepted on or after 12th August 2016

Retailers Combined Key Facts

Retailers Combined Policy

Commercial Combined Proposal

Retailers Combined - Notice to Policyholder

The following Policy Documents apply to policies incepted or renewed prior to 12 August 2016.

Retailers Combined Key Facts

Retailers Combined Policy