Commercial Combined

Euna’s property and casualty team can provide a range of commercial covers, combined together to create the cover our brokers’ clients need.

Cover includes

  • Material damage
  • Business interruption
  • Goods in transit
  • Loss of business money
  • Personal Accident (Assault)
  • Employers’ Liability
  • Public and Products liability
  • Specified all Risks
  • Refrigerated Stock
  • Loss of Licence
  • Essential Business Legal
    • Including access to legal helplines for UK tax advice, 24/7 legal advice on business matters within EU law and 24/7 confidential counselling
  • Computers and Electronics
  • Commercial Excess Protect


We have sourced various capacity providers to deliver the range of sections in our Commercial Combined policy, including

  • Argenta Syndicate 2121 at Lloyd’s
  • ARAG plc; underwritten by Brit Syndicate 2987 at Lloyds
  • Royal & Sun Alliance Insurance plc
  • Acasta European Insurance Company Ltd


Our Commercial Combined policy is suited to SME property-led businesses, generally with premiums of £1,000 and above where the risk features are of a high standard.  For example:

  • Modern premises
  • Modern trade
  • Sole tenure
  • Good management/housekeeping
  • Claims experience commensurate with the risk
  • No moral hazards

Download our appetite list here


Euna Commercial Combined summary of cover

Tom Sparkes

Underwriting Manager

Property & Casualty