NIG

Commercial Combined - Specialist Markets

All the protection of our Commercial Combined policy and more...

As well as all of the enhancements, benefits and features of our Commercial Combined product our specialist market products include a unique number of features that are relevant to these specific market sectors.

Manufacturing

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  • Dedicated product for manufacturers
  • Embedded legal expenses cover
  • Warranty free policy
  • Broad range of additional enhancements including:
    • Fuel spillage clean up costs under Material damage
    • Extended supply chain cover under - Business interruption
    • Corporate manslaughter cover included
  • Numerous increases to inner policy limits
  • Fidelity guarantee cover now available 
    (These are based on our previous Traders Combined policy)

Retail

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  • Dedicated product for retailers
  • Embedded legal expenses cover
  • Warranty free policy
  • Broad range of additional enhancements including:
    • Inadvertent omission to Insure under material damage
    • Extended supply chain cover under Business Interruption
    • Corporate manslaughter cover included
    • Damage to containers under goods in transit
  • Numerous increases to inner policy limits
  • Fidelity guarantee cover now available 
    (These are based on our previous Traders Combined policy)

Wholesale

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  • Dedicated product for wholesalers
  • Embedded legal expenses cover
  • Warranty free policy
  • Broad range of additional enhancements including:
    • Fuel spillage clean up costs under Material damage
    • Inadvertent omission to Insure under Material damage
    • Corporate manslaughter cover included
    • Damage to containers under goods in transit
  • Numerous increases to inner policy limits
  • Fidelity guarantee cover now available 
    (These are based on our previous Traders Combined policy)

Hotel and Leisure

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  • With a new specialist wording, featuring numerous modified and enhanced sections, our latest addition to the Commercial Combined suite allows you to deliver the tailored cover your clients' need.
  • Modified and enhanced sections include: Material Damage, Business Interruption, Money, Public Liability
  • New sections include: Personal Accident, Household Contents
  • Combining the broad core wording of Commercial Combined with specialist Hotel & Leisure cover, this policy is custom-made for the following target trades: Art Galleries*, Bingo Halls,  Cinemas, Concert Halls, Holiday Centres, Hotels, Leisure Centres*, Libraries, Museums*, Restaurants, Sports Centres, Sports Clubs*, Stadia Risks*, Ten Pin Bowling Centres, Theatres
  • Our appetite covers: small Art Galleries and local Museums with high value items insured elsewhere, small Holiday Centres excluding Holiday Villages and Caravan Parks, amateur Sports Clubs excluding the playing risk, Stadia risks restricted to a Property basis only.