Commercial
Combined
Two routes. One goal. Complete cover for growing commercial clients.
Our Combined proposition gives brokers flexible, scalable protection for UK SMEs – whether you’re trading manually via our Excel Business Combined product or digitally through our eCCI platform. Built to cover core risks like property damage, liability, and business interruption, both options are underpinned by expert underwriting, practical add-ons, and 24/7 claims and legal support.
Choose the route that suits your client and trading preference:
Excel Business Combined – traditional placement, tailored for growing SMEs and more complex or bespoke risks
eCCI (eTrade Commercial Combined Insurance) – fast, efficient cover placed via e-trade platforms, ideal for standard SME profiles
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Key Features
Emergency Assistance & Counselling Support
Includes a practical helpline service for property emergencies and a confidential counselling helpline for employees — showing care beyond the claim.
Tailored for SME Risk Profiles
Built with the day-to-day exposures of UK-based SMEs in mind — including contents, stock, equipment, and liability risks common across sectors.
Specialist Legal & Tax Advice Helplines
Policyholders have 24/7 access to confidential legal and tax guidance, delivered by ARAG — supporting businesses with real-world issues from contracts to compliance.
Modular, Mix-and-Match Cover
Choose the right blend of property, liability, and business interruption cover — including optional sections for goods in transit, theft by employees, legal expenses, and more.
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Excel Business
Combined
Our Excel Business Combined product gives brokers a flexible, modular solution to protect SMEs across a wide range of sectors. From property damage and business interruption to liability, legal expenses, and money cover, it brings together core protections under a single, streamlined policy – making it easier for brokers to tailor effective solutions for dynamic, fast-moving businesses.
With 24/7 claims support and legal helplines included, Excel BCI is designed to be responsive, resilient, and ready to scale with your clients’ growth.
An example of our appetite
Wholesale
Distribution
Retail
Manufacturing
Professional Services
Printing
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eTrade Commercial
Combined
Our eCCI product offers a modular, broad-spectrum commercial combined solution ideal for small to medium businesses trading in a wide range of sectors. Delivered through e-trade platforms for ease and speed, it equips brokers with a responsive, straightforward way to protect core business risks — from property damage and interruption to liability, legal expenses, money and employee dishonesty.
Whether you’re supporting a startup or a growing firm with changing needs, ECCI offers clear limits, practical extensions, and real-world protection, backed by efficient claims handling and embedded DAS helplines.