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Creating a bespoke insurance solution to meet your needs
Many businesses prefer to pick and chose the insurance covers that they buy, and set the exact amounts of cover that they require, either to achieve a solution that is just right for them, or because insurer’s Package products do not meet their needs.
With Axa’s Commercial Combined product, you can chose what covers you want, and the amount of cover too!
(Please note in certain circumstances there may be restrictions on the combination of sections that can be requested.)
Material Damage Section - An insurance cover to protect your Buildings, Contents and Stock against damage caused by a insured peril.
Business Interruption Section - An insurance to protect business income following a material damage loss.
Theft Section - An insurance cover to protect your business Contents, Stock and Buildings against loss or damage resulting from theft. Only available where a Material Damage Section is in place.
Money Section - An “All Risks” cover to protect your business Money including whilst in transit.
Employers Liability Section - Insurance protection in respect of your legal liability for injury to your employees
Public and Product Liability Section - Insurance against your legal liability for injury to third parties or damage to their property. This can arise from the work that you undertake or the services or products that you supply
Selected All Risks Section - An “All Risks” insurance cover to protect specified items in Great Britain and optionally elsewhere.
Goods In Transit – Sendings Section - Cover for loss of or damage to your property or goods when in transit whether they are carried in your own vehicles and/or by third party carriers
Goods In Transit – Own Goods Section - Cover for loss of or damage to your property or goods whilst in transit in your own vehicles
Public Liability Building and Allied Trades Section - Insurance against your legal liability for injury to third parties or damage to their property. This section is designed for those in the building and allied trades industry
Contractors All Risks Section - An annual “All Risks” cover for a number of construction contracts protecting Contract Works, Plant and Equipment
Theft By Employees Section - Insurance protection against loss of money or property due to employee dishonesty or their acts of fraud
Commercial Legal Expenses Section - Insurance against your exposure to professional legal expenses in connection with a variety of events alongside the provision of legal advice
Computer Insurance Section - An “All Risks” cover for loss or damage to Computer equipment but excluding cover provided under a material damage cover, including optionally cover for Reinstatement of Data and Increase in Cost of Working following interruption of your business.
Sudden and Unforeseen Damage Section - A cover to protect specified machinery against sudden and unforeseen damage which is not covered by a standard material damage policy.
Contractors Plant and Equipment Section - An “All Risks” cover to protect Contractors Own and Hired In Plant.
Deterioration of Stock Section - An insurance covering deterioration of stock resulting from certain accidental temperature changes in cold chambers.
Engineering Business Interruption Section - An insurance cover to protect business income following sudden damage to or breakdown of plant/machinery or failure of public utilities affecting plant or machinery at the premises.
Machinery Movement Section - An “All Risks” cover to protect your Machinery whilst in transit.
Personal Accident and Sickness Section - Cover for you and your employees for bodily injury or an inability to carry out normal working activities due to accident or sickness
Livestock Section - Cover for death of livestock due to accident or disease.