Commercial combined

Scheduled Risks Insurance

Some commercial risks need a schedule rather than a broad description. Itemising premises, plant, machinery, stock, tools, vehicles or specialist assets helps insurers price and apply the right conditions.

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Who It Is For

  • Businesses with multiple items, sites or assets that need listing separately
  • Contractors, manufacturers, property owners and hire businesses
  • Firms asked by insurers to provide detailed schedules before quotation

Cover To Review

  • Property, contents, stock, plant and machinery schedules
  • Own plant, hired-in plant, tools and goods in transit
  • Commercial combined, property owners or contractor package cover
  • Business interruption and dependency calculations tied to scheduled assets

Underwriting Detail

  • Asset descriptions, values, serial numbers and locations
  • Ownership, hire status, security and maintenance arrangements
  • Maximum values at risk, seasonal peaks and transit exposure
  • Claims history, inspection evidence and risk improvements

Related Insurance Pages

Scheduled Risks Insurance FAQs

What are scheduled risks?They are assets, premises, items or exposures listed separately so the insurer can apply the right value, cover and conditions.

When is a schedule useful?Schedules are useful for plant, tools, machinery, stock, multiple properties, high-value items or changing locations.

What should a schedule include?Include descriptions, values, locations, ownership, security, maintenance and any maximum values at risk.