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ALL-RISKS PROTECTION & COMMERCIAL COMBINED COVER IN ONE POLICY
Your complete commercial property solution
A Combined Commercial Property Policy merges multiple lines of cover into one: buildings, contents, stock, liability, business interruption, equipment breakdown and more. With All-Risks wording, protection extends far beyond named perils - covering unforeseen direct physical loss unless specifically excluded.
What Does “All-Risks” Mean?
All-Risks insurance offers broader protection than standard “Specified Perils” policies. Instead of listing what is covered, an All-Risks policy covers everything except stated exclusions.
- Covers unforeseen accidental physical loss or damage
- Responds to a wider range of real-world risks
- Not limited to fire, flood, storm etc.
- Ideal for high-value assets & operational businesses
- Optional extensions for theft, breakdown & stock
- Provides peace of mind for complex risks
What’s Included in a Combined Commercial Property Policy?
A single, comprehensive policy built for landlords, property owners, commercial unit landlords, warehouses, offices, retail and mixed-use premises.
- Buildings & landlord fixtures
- Contents, stock & equipment
- All-Risks wording available
- Glass, signage & shopfront cover
- Theft & attempted theft
- Equipment breakdown & machinery damage
- Goods in transit
- Accidental damage (optional)
- Commercial landlord liability (property owners’ liability)
- Employers’ Liability (if required)
- Business interruption for reduced trading or total shutdown
- Loss of rent for landlords
- Legal expenses & dispute protection
- Tenant-caused damage (optional)
- Subsidence, heave & landslip (optional)
Who Needs an All-Risks or Combined Commercial Property Policy?
Commercial Landlords
- Shops, retail units & high-street premises
- Offices & serviced office buildings
- Industrial units, factories & workshops
- Warehouse & distribution units
- Mixed-use buildings with tenants
Occupiers & Business Owners
- Retailers & hospitality businesses
- Professional services & offices
- Manufacturers & logistics firms
- Engineering, industrial & production facilities
- Businesses requiring all-risks equipment cover
FREQUENTLY ASKED QUESTIONS
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What is an All-Risks commercial property policy?
All-Risks cover protects against any accidental physical loss or damage unless excluded. It offers wider cover than a standard perils policy.
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What is a Combined Commercial Property Policy?
It merges multiple covers (buildings, contents, liability, BI, breakdown, stock, landlord cover, etc.) into one single insurance package.
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Is All-Risks cover more expensive?
Not always. Pricing depends on the building, occupancy and risk factors. Many policies combine perils and all-risks sections to achieve value.
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Does a combined policy include liability cover?
Yes - property owners’ liability, public liability and employers’ liability (if needed) can all be included.
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Does this policy cover loss of rent or business interruption?
Yes - loss of rent for landlords and business interruption for occupiers can be added or included as standard depending on the policy type.