Commercial Combined – Package Business
Energy, Property & Construction
XL Catlin underwriters have the market knowledge and technical expertise to develop bespoke insurance solutions to meet clients’ individual needs. This Commercial Combined coverage is for small to medium sized UK companies with a products liability focus.

Product details


Our coverage offering includes worldwide coverage and jurisdiction for UK policyholders and no efficacy exclusion

Business can be written on either a primary, full value or excess of loss basis

Bespoke Coverage can include:

  • Joint Insured
  • Vendors Extensions
  • Hold Harmless Agreements
  • Oil and Gas Conditions

Business Continuity

As part of our commercial property coverage, we offer BusinessAssist, a complete protection package that provides comprehensive disaster recovery planning. Aimed at SMEs, BusinessAssist allows a company to maintain communications following a catastrophic loss.

If a business can’t enter its premises, Business Assist will provide:

  • emergency telephone switching
  • replacement offices

Activating your XL Catlin BusinessAssist Contract

Client Profiles

Target business sectors include:

  • UK domiciled manufacturing and engineering businesses with a Products Liability focus (including up to 100% US exports)
  • Research and development
  • Retail
  • Administration
  • Light commercial industries
  • Life science companies
  • Aviation
  • Automotive
  • Marine
  • Medical device (including fully invasive)
  • Pharmaceutical
  • Chemical production (site and production exposures)
  • Transportation products (aviation, safety-critical automotive, rail & marine)
  • Structural or integrity exposures (e.g. adhesives, cements and construction materials)
  • Oil and Gas industries
  • Military-use products

Benefits & Services

  • BusinessAssist
  • Award Winning Claims Service
  • We issue quotes on an exclusive basis: one quote, one broker
  • Bespoke Policy Solutions
  • Flexible underwriting approach

Minimum Premium

From GBP 5,000

This general product description is informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Products are subject to legal and underwriting requirements. Coverages may not be available in all jurisdictions, including without limitation any jurisdiction within the United States, and may be available only through appropriately licensed producers. In addition, GAPS’s provision of publications or services is not an indication of the existence or availability under any policy of coverage for any particular property or type of loss or damage. Policies underwritten from Bermuda, Brazil, Canada, China, Mexico, Switzerland, or written by XL Insurance Company SE are only available through non US-based brokers. The Insurance companies of XL Group Ltd are: Catlin Insurance Company, Inc., Catlin Indemnity Company, Catlin Specialty Insurance Company, Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., XL Specialty Insurance Company, XL Bermuda Ltd, XL Insurance Company SE, XL Insurance Switzerland Ltd, XL Insurance (China) Company Limited, XL Seguros Brasil S.A. and XL Insurance Mexico SA de CV. Coverages placed with Lloyd’s Syndicate #2003 are managed by Catlin Underwriting Agencies Limited and supported by XL Catlin corporate capital. Additional important information regarding our business is provided on our Legal Notices page.

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