AIG's Commercial Combined policy is a multi-section policy providing a range of the essential covers purchased by small to medium sized businesses. It incorporates cover under at least two sections including Material Damage and Employers Liability. All other sections are optional purchases. The Policy is suitable for businesses with a turnover up to £10,000,000.

TARGET RISK PROFILE

Maximum Turnover £10m

• Material Damage Limit up to £5m*
• Business Interruption up to £5m*
• Employers Liability limit up to £15m
• Public/Products Liability limits of cover up to £5m (for most trades)
• Standard Excess £250

* Maximum total MD + BI Limit is £10m. Individual MD or BI limits may exceed £5m upon referral.

Key product benefits:

STANDARD COVERS

• Material Damage
• Employers Liability

OPTIONAL COVERS

• Business Interruption
• Public/Products Liability
• Money
• Employee Dishonesty
• Equipment Breakdown
• Legal Expenses
• Loss of Liquor Licence
• Group Personal Accident
• Terrorism

HIGHLIGHTS

• Material Damage - All Risks Cover
• Specified All Risks – Worldwide cover
• Equipment & Computer Breakdown available
• Glass cover unlimited
• Goods In Transit £10,000 (higher limits available)
• Money during business hours and in transit - £12,500 (higher limits available)
• Seasonal Increase - 30% of stock
• Deterioration of stock £15,000 any one unit
• USA/CAN Exports up to 20% of turnover/ £2m
• Keys & Locks £10,000
• Medical & Vocational Rehabilitation
• Virtual Medical Care for eligible customers
• Unlimited number of locations subject to overall policy sum insured limit
• Talk to us about non-standard extensions such as specified suppliers.

ABOUT THE INSURER

American International Group UK Ltd is one of largest companies specialising in the UK business insurance market.