Commercial Combined is a bespoke product for larger commercial organisations. Providing core property damage protection for the physical assets of the organisation, you can add anything from one to all of the additional covers available. We assess every organisation on its own merits, with discounts available for those that can demonstrate superior approaches to Health & Safety and Risk Management. 

What types of organisation can be covered?

There are many different types of organisation that may require Commercial Combined cover. These include both commercial businesses and public service or not-for-profit organisations. Examples include:

What cover is available?

We offer a range of covers. Property damage is the basis of the Commercial Combined product and you must select a minimum of one additional cover.

The core covers available are:

• Property Damage.
• Business Interruption.
• Employers' Liability
• Public/Products Liability.
• Money.
• Personal Accident.
• Goods In Transit.
• Outstanding Debit Balances.
• Deterioration of Stock.
• Loss of Liquor Licence.
• Legal Expenses.
• Fidelity.
• Terrorism (this can only be bought in addition to Property Damage and/or Business Interruption).

Buildings & Contents benefit from inflation protection (Day One Basis of Cover) and benefit from an automatic 15% increase in the building value you declare for insurance during the policy period, which can be increased if required. Cover is on an ‘as new' basis.

Stock cover is on the basis of the value of the property at the time of destruction or the amount of the damage.

The Benefits of Tower Insurance Commercial Combined cover:

• A policy designed and priced specifically for Isle of Man businesses.
• Local customer service teams for you and your broker.
• A locally based claims team, for when you need us most.

Documents:

• Commercial Combined Proposal Form (104.74 kB)
• Commercial Combined Policy Summary (804.22 kB)