Commercial Combined

All businesses are unique in some way, shape or form and may not fit in to a set package insurance policy, such as a Shop, Office or Surgery policy. This is why a Commercial Combined policy is the ideal way of obtaining the core covers that your business needs.

This style of policy is designed to be flexible and to cater for the business risks your company faces, all brought together under one contract. As your business changes so too can the policy.

The core sections include:

  • Material damage – providing cover for your assets such as machinery and plant, stock, computers etc.
  • Business interruption – providing financial compensation for your business in the event of a loss occurring under your Material Damage cover. This cover operates to maintain your business’ normal trading position by providing indemnity for any shortfall in profits and returning your business to its previous trading position.
  • Employers’ Liability – this compulsory insurance requirement provides cover for all employees against injury or disease caused as a consequence of their employment.
  • Public and Products Liability – essential cover in respect of your legal liability to pay compensation to third parties for accidental loss or damage to their property or injury to any person during the course of your business activities or products supplied by the business.

Money, Computers, Goods in Transit, Engineering Risks, Credit Insurance, Legal Expenses and Group Accident & Sickness Insurance can all be included under one Commercial Combined policy wording, making it a very flexible and all inclusive option.

Commercial Vehicle

We have access to a large panel of insurers offering competitive rates for a wide range of cover. Whether you require a policy to cover a car derived van, box van, luton, pick up, flat bed or car transporter, skip wagon, small truck or HGV then we will be able to search for suitable cover that meets with your needs and requirements.

Fleets

No two motor fleets are the same due to factors such as location, size and vehicle mix. No two customers’ requirements are the same either, as their business activities all differ. What is the same is that they all need to protect their vehicle assets and likewise their liabilities and responsibilities under the Road Traffic Act. Our brokers at My Business Cover will be able to talk you through effective Risk Control and Fleet Management, to minimise claims and help reduce premium costs.

Whilst as a business you’re undoubtedly conscious of your costs, you need to consider the impact of Motor Fleet claims allied to rising motor premiums. Our experience in this sector will help you consider pro-active solutions whilst finding insurance products to fit your requirements. We understand claims management of the fleet risk is a joint effort between the client, the insurance provider and not forgetting ourselves.

Our clients can range from traditional fleet operators, contractors fleets to diverse areas, such as private hire and courier fleets, mini buses to coaches, haulage fleets, emergency response – blues and twos included – and self drive hire fleet operators, so our experience is without question.

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