Business Combined Insurance

Selecting the right policy to protect your business is no simple task…. but New India have tried to make this a simpler process by introducing a range of ‘package’ style policies, which have been designed to cover most types of business operations in the UK.

However, not all commercial businesses require or are suitable for a package policy and for these risks New India have developed the Business Combined Policy. This policy allows you to choose precisely the cover you require and to combine this within one insurance policy. The total flexibility that this policy provides allows you to add other covers as you need them, for example when your business grows.

Summary of covers available;

  • Material Damage including cover for Buildings, Tenants Improvements, Machinery, Plant and Contents, Computer Equipment and Stock
  • Optional Day One inflation protection available
  • Business Interruption, either Gross Profit, Gross Revenue or Rent Receivable basis including cover for additional expenditure incurred in maintaining the business
  • Option to include cover for loss of income following Denial of Access, Accidental Failure of Public Utilities, Notifiable Diseases, Vermin or Pests, Defective Sanitation or Murder/Suicide
  • Book debts where accounts records are destroyed
  • Theft of items insured for Material Damage including Damage to the fabric of the premises and costs for replacement of locks following theft of keys
  • Loss of Money whilst on the premises or in transit, including damage to any safe on the premises arising from theft
  • Personal accident benefits following assault on principals and employees carrying money
  • Specified Items of Business Equipment including cover whilst removed from the Premises within the UK
  • Breakage of fixed Glass and Signs including reasonable costs of boarding up and repairing / replacing damaged window frames and framework
  • Loss or Damage to Goods in Transit, either in own vehicles or by third party carriers
  • Deterioration of Frozen or Chilled Stock following breakdown of refrigeration equipment
  • Employers Liability
  • Public and Products Liability
  • Loss of money or other property following Dishonesty of Employees
  • Reduction in the value of the business following Loss of Licence up to £100,000
  • Legal Costs and Expenses up to the Limit of Indemnity selected relating to Employment Disputes, Employment Compensation Awards, Tax Protection, Property Disputes, Tenancy Protection, Compliance and Regulation, Statutory Licence Protection and Contract & Debt Recovery

Suitable Risks;

  • Our Business Combined policy offers flexible insurance solutions for a wide range of manufacturing, wholesaling, retail, administrative, leisure, property owning and accommodation risks

Positive Features;

  • Low claims frequency
  • Trading history and experience
  • Superior security features
  • Overnight occupancy
  • Low flood risk
  • Low Subsidence risk

Unacceptable Features;

  • Unoccupied risks
  • Unspent Criminal Convictions
  • Previous Liquidation / Bankruptcy / CVA


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Claims Information

Our Claim Promise

Attending to claims promptly, handling them efficiently through reputed, reliable and well-known firms of Loss Adjusters and settling the claims in a just, equitable and fair manner is New India’s philosophy to claims.

We handle claims with understanding, sympathy and appreciation of the claimant’s situation.

Making a Claim

  • Please report your claim immediately in accordance with your policy conditions to your Broker and to The New India Claims department using the number supplied below.
  • To ensure a faster, easier service please make sure you have your policy number and any other relevant details to hand.
  • In the event of any loss by theft or malicious damage to your property, this should be reported to the police immediately.
  • A claim form must be duly completed and submitted to The New India Claims department using the address or fax number below within 60 days of the loss/damage.

Please do not delay in contacting your Broker or the Claims Department of New India as soon as you are aware of a claim or possible claim, even if all the above information is not immediately available.

Commercial Claims Office