Who this is for
Businesses whose risks span several categories
Fire policyholders extending into packaged cover
Owners who want one policy instead of five
What it typically covers
- Fire, property & business interruption
- Burglary & theft following forcible entry
- Money, in premises, in safe, in transit
- Plate glass & signage
- Public & product liability
- Employer's liability / workmen
- Fidelity guarantee
- Machinery breakdown & equipment
- Directors & officers liability (where offered)
Section availability and minimum-section rules vary by insurer; some flexible packages require an existing fire policy. We confirm eligibility before quoting.
RetailF&BServicesLight manufacturingMulti-outlet groups
Common questions
How many sections must I pick?
Flexible packages typically require a minimum of two sections, and some are designed for existing fire policyholders of the same insurer. We'll confirm the structure that fits your situation.
Can I add sections later?
Yes, at renewal, or mid-term by endorsement for most sections. Businesses usually start with fire + liability, then add money, fidelity or machinery as they grow.
How is it priced?
Per section, case by case, based on your sums insured, trade and claims history. Tick your sections below and a specialist prices the exact combination.
Get your quotation
One question at a time, your personalised quote via WhatsApp or email, usually the same day.