However complex your business combined insurance requirements, the Sabre team can offer the complete service you expect from an established specialist in this sector. Our relationships with insurers give us access to a wide range of specialist insurance products.
This policy provides cover for the main insurance needs of a business when relevant covers are selected. A combination of Material Damage, Business Interruption, Book Debts, Employers' Liability, Public and Products Liability, Money, Goods in Transit, Specified Items 'All Risks', Loss of Rent and Loss of Licence.
The policy is designed to meet the needs of most businesses where some form of manual work is apparent. This would include manufacturers, distributors, repairers, finishers, printers, wholesalers, engineering companies, contractors to name but a few.
The covers available are:
Material Damage
This policy provides cover for a business's material property including, machinery, plant fixtures & fittings and stock. Two levels of cover are available:
- Defined perils - fire and additional perils of lightning, explosion, aircraft, theft, riot, malicious persons, earthquake, storm, flood, escape of water, impact by vehicles or animals. Optional subsidence cover, sprinkler leakage, glass and terrorism.
- All Risks - accidental loss, destruction or damage including all defined perils. Optional subsidence cover, sprinkler leakage, glass & sanitary and terrorism.
Business Interruption
Provides the business with financial compensation following an insured loss under the Material Damage cover and is designed to help the business return to a normal trading position as quickly as possible. Cover can be provided in conjunction with Material Damage or as part of our Combined policy.
Book Debts
Cover is provided for outstanding debit balances, which cannot be collected as the records have been damaged or destroyed by an insured loss under the Material Damage cover.
Employers' Liability
This policy protects companies against damages and legal costs that arise as a result of claims from employees suffering an injury or disease due to, and during, their employment.
Public and Products Liability
Cover is provided in respect of legal liability to pay compensation including legal costs for:
- Accidental death or personal injury to any person excluding employees.
- Accidental loss or damage to third party material property.
Cover can be taken with or without liability for products supplied. Products Liability can be extended to cover Worldwide export inc. USA/Canada exposure.
Money
This cover is provided for physical loss or damage of 'money' pertaining to the business, occurring within the UK.
Goods in Transit
This provides cover for property whilst in transit within Great Britain, Northern Ireland, Channel Islands, Isle of Man or the Republic of Ireland to the limits selected by the customer.
Specified Items (All Risks)
This policy provides cover for loss of or damage to items specified by the customer, cover can apply at specific premises only or within the territorial limits of the UK, EU or Worldwide as requested.
Optional covers can include:
- Computer engineering breakdown cover, extension to include loss of data, business interruption expenses and virus protection.
- Loss of computer records
- Engineering inspection insurance
- Sudden & unforeseen damage to engineering equipment covers can be extended to include the breakdown of Production and Process Equipment.
- Personal accident and sickness cover
- Legal expenses cover
- Fidelity guarantee
- Efficacy
- Cover for exhibitions
- Marine Cargo and Export/Import
Commercial Business & Complex Corporate Combined Insurance
| Home & House |
| High Value Property |
| Holiday Home UK & Abroad |
| Let Property |
| Non Standard |
| Family Legal Expenses |
| Accident & Sickness |
| Boat & Marine |
| Caravan, Touring & Static |
| Event & Exhibition |
| Gadget Cover |
| Key Loss Protection |
| Private Medical |
| Travel |
| Warranty Cover |