Commercial Combined

A complete solution tailored to the customer’s specific needs, consisting of property and liability insurance in the Isle of Man, rolled into a single, manageable premium. All delivered through local underwriting capability and claims handling.

Cover details

Standard cover

Our commercial combined cover includes property damage insurance as standard. This covers property-related loss or damage by:

Fire, smoke, lightning, explosion or earthquake
Riot and malicious persons
Storm or flood
Escape of water or leakage of beverages or oil
Impact by a vehicle, animal, aircraft or aerial device
Impact by collapse or breakage of aerials or satellite dishes
Accidental escape of water from automatic sprinklers
Theft or attempted theft
Subsidence, ground heave or landslip
Accidental breakage of glass

You will need to add at least one of our optional covers to make a commercial combined package.

Optional cover

Choose one or more of the following options to complete your cover:

Liability insurance
Fidelity insurance
Personal accident insurance
Loss of liquor licence insurance
Legal expenses insurance
Transit insurance
Computer equipment insurance
Deterioration of stock insurance
Machinery breakdown insurance

Additional covers

Additional covers include:

Money insurance
Business interruption insurance
Specified items – all risks
Terrorism insurance

See the policy documents for more details.

Target market

This cover is aimed at the following sectors and business types:

Retail
Wholesale
Professional and public services
Offices
Manufacturing – metal, mechanical and electrical goods

Risk appetite

Preferred Risks

We prefer to cover:

Isle of Man based companies
Premises-based exposures, with no limit on the number of locations
Customers with good risk management and claims experience
Businesses committed to risk management and control at the owner or board level.

Intact Isle of Man are unable to cover risks outside of the Isle of Man if compulsory Employers Liability cover is required, however we can work with Intact UK to meet your needs.