Public Houses
Commercial Combined

Our Commercial Combined product provides competitive cover with bespoke policies which address all of your businesses’ primary insurance needs under one policy.

Includes material damage and a range of optional covers including public and products liability, employers’ liability, business interruption, goods in transit and loss of licence. Our underwriters prepare tailor-made policies for your business needs and activities.

Commercial Combined Key Features
‘All Risks’ Property Damage Y
Employers’ Liability (£10,000,000 standard limit of indemnity) Y
Public & Products Liability (up to £10,000,000 cover available) Y
Glass Cover Y
Goods in Transit Y
Landlords Contents Y
Business Interruption (receivable over 12, 24 or 36 months) Y
Refrigerated Stock Y
Book Debts Y
Money Cover Y
Personal Assault Y
Specified All Risks Y
Optional Legal Cover Y

The list is not exhaustive, please contact us for a relevant quote.

Our Commercial Combined quotations can be arranged and cover incepted within 24 hours. When we receive your enquiry, we can prepare and send your quotation, incept cover and deliver policy documentation all in the same working day.

Contact our new business team on 0161 304 9933 to arrange a quotation for your business today.

Risk Management

When our clients approach us with larger obscure business risks, we recognise that they often need help understanding the risks that their business faces. For this reason, we regularly support larger businesses by undertaking surveys to help the owners manage their risks more effectively.

Each client is assigned a dedicated Account Handler who will liaise with them to ensure that any necessary and essential improvements will be carried out, and that the business is operating in conditions that meet the policy requirements. This provides our clients with peace of mind that, should the worst happen – they are fully covered by our Commercial Combined Liability Policy.

Commercial Combined Insurance – Claims Information

At MG Insurance we have an experienced and proficient claims management team who are able to handle every aspect of a claim from start to finish; with a dedicated Claims Handler your claim will be handled personally and efficiently.

At MG Insurance we work with an elite panel of Insurers, and unlike other intermediaries, we have direct access to our designated loss adjusters; where necessary we will appoint them directly on notification of a new claim. Your dedicated Claims Handler will remain in touch with Adjusters and Insurers during the life of the claim, to ensure that everything is managed efficiently.

“I would like to compliment you on the Claims Handling Service that you provide. All our claims are dealt with efficiently and to our satisfaction… without delay”
Chris Jones – Reynolds Insurance Brokers