Business Package


Our Business Package policy is a Commercial Combined product designed to be traded online. Suitable for UK based businesses including retail, leisure, services, transport, warehousing, manufacturing and wholesaling with flexible optional sections to create a straight forward and tailored solution.

  • Over 1000 acceptable trades, all auto-rated without referrals
  • Flexible optional sections allowing a straight forward and tailored solution
  • No claims discount available at new business and renewal
  • Straight forward online question sets, no auto-survey requirement
  • Both Buildings and Contents cover available up to £5m per location
Premiums From

  • Wording designed specifically for Manufacturers and Wholesalers with numerous policy extensions
  • High sum insured limits available
  • Generous inner limits
  • Computer Breakdown and Engineering covers as standard
  • North American Exports cover available under Products Liability section (subject to referral)
  • Free-format Business Description field (subject to referral)
  • Free 24 hour advice lines for health and medical assistance, legal advice and business emergency assistance
  • Clothing & Textiles 
  • Electrical Goods
  • Engineering & Metalwork
  • Food & Beverage Wholesale
  • Glass & Glassware 
  • Leisure & Entertainment
  • Mineral & Building Components
  • Paper & Printing
  • Sports Goods
  • Wood & Furniture

Business Package Trade Guide

Business Package Sales Aid

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

Business Package Key Facts

Business Package Policy Wording

Business Package - Notice to Policyholders

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

Business Package Key Facts

Business Package Policy Wording

Standard Covers


Maximum Limits 

Material Damage - Contents & Stock* £5,000,000 per location 
Engineering - Equipment Breakdown  £5,000,000 per accident
Engineering - Computer Breakdown £250,000
Engineering - Deterioration of Stock £15,000

Optional Covers

Cover Maximum Limits
Employers' Liability  £10,000,000
Business Interruption - 
Gross Profit
£5,000,000 / 36 months
Public / Products Liability £10,000,000
Material Damage - Buildings
& Tenants Improvements
£5,000,000 per location
Business Interruption -
Book Debts
Electronic Business Machines £1,000,000 per location
Specified All Risks £1,000,000 upon referral
Fidelity Guarantee £250,000
Legal Expenses £150,000
Terrorism Available
Goods in Transit - 
Vehicle Load Limit
£50,000 (£2,000)
Money - In Transit £12,000 (£2,000)
PA (Assault) - Death and Permanent Disablement ** £10,000

* Must insure Contents or Stock

** Included automatically when money cover selected

The amount in brackets denotes the standard limit provided.
This is a summary of the cover available. Please refer to the Policy Booklet for full
terms and conditions.




Available on...

TheHubiconsInsurecom -
ActurisiconsOpenGI -
PowerPlace - CDL -
SSP - Datamaters -

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