What Commercial Combined Insurance Doesn’t Cover (Exclusions & Gaps)

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Understand the key exclusions, limitations and gaps often found in Commercial Combined policies - and how to avoid unexpected surprises at claim time.

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KNOW THE GAPS IN YOUR COMMERCIAL COMBINED POLICY

  • COMMON EXCLUSIONS

  • UNINSURED RISKS

  • LIMITATIONS

  • OPTIONAL EXTENSIONS

Why Understanding Exclusions Is Essential

Commercial Combined Insurance offers broad cover - but it does not insure everything. Every policy has exclusions, conditions and limitations that may prevent a claim from being paid. Knowing these gaps helps you stay protected and ensures your insurance performs when you need it most.

The Most Common Commercial Combined Insurance Exclusions

These risks typically require separate cover or specific endorsements.

  • Wear and tear, gradual deterioration & depreciation
  • Mechanical or electrical breakdown (unless extended)
  • Deliberate or criminal acts by employees
  • Cyber incidents & data breaches (requires Cyber Insurance)
  • Professional negligence (requires PI Insurance)
  • Vehicles or road risks (requires Motor insurance)
  • Contractual penalties or liquidated damages
  • Losses arising from faulty workmanship
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Key Policy Limitations Many Businesses Overlook

Common Limitations

  • Underinsurance / incorrect sums insured
  • Average clause reducing claims payments
  • Security and alarm warranties
  • Storage and housekeeping requirements
  • Excesses applied per claim or per section

Business-Specific Gaps

  • Tools left in vehicles overnight
  • Overseas work or exports
  • Heat work exclusions for trades
  • Subcontractor liability gaps
  • High-risk locations or hazardous materials
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How to Avoid Coverage Gaps in Your Policy

Steps to Strengthen Your Cover

  • Review sums insured annually
  • Add cyber, PI, D&O or equipment breakdown
  • Ensure security and alarm warranties are met
  • Check subcontractor insurance compliance
  • Clarify exclusions for tools, vehicles & heat use

Why Work With Insure24?

  • We identify hidden exclusions before you buy
  • We compare wordings across multiple insurers
  • We ensure your cover matches your risk exposure
  • We recommend optional extensions where needed
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“Insure24 helped identify exclusions in our policy we didn’t even know existed - potentially saving us thousands in uncovered losses.”

Laura P., Operations Manager

FREQUENTLY ASKED QUESTIONS

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What are the most common Commercial Combined exclusions?

Common exclusions include wear and tear, mechanical breakdown, cyber incidents, professional negligence, contractual penalties and losses caused by faulty workmanship.

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Does a Commercial Combined policy cover employee dishonesty?

No - this is normally excluded unless a specific Fidelity or Crime insurance extension is purchased.

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Is cyber cover included automatically?

No - cyber risks are excluded from most Commercial Combined policies. A standalone Cyber Insurance policy is required.

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What about tools left in vehicles overnight?

Most policies exclude this unless a specific Tools-in-Transit extension is added, and security conditions must be met.

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Can exclusions be removed or amended?

In many cases yes - insurers may remove restrictions or add extensions for an additional premium. This depends on your risk profile and insurer appetite.

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