BUSINESS COMBINED WHEN IT COMES TO BUSINESS INSURANCE ONE SIZE DOESN T FIT ALL

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1 BUSINESS COMBINED WHEN IT COMES TO BUSINESS INSURANCE ONE SIZE DOESN T FIT ALL

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3 RSA BUSINESS COMBINED We are delighted to be sharing our Business Combined offering with you, designed with you and your customers in mind. At RSA we know the choices that need to be made in today s complex insurance market can be challenging and it s never one size fits all. With new and improved cover and a flexible range of extras to choose from it gives your small business customers the tailor-made cover they need, across a wide range of sectors and risks. When you etrade Business Combined with us you will: Be delighted by how often you can easily obtain a competitive quotation and surprised at the size of risk we can trade electronically. HOW BUSINESS COMBINED SUITS DIFFERENT SIZES SIMPLER AND EASIER TO TRADE WITH US Obtaining competitive quotations We have vastly improved our eligibility - the number of trades that will now rate without referral means you can be confident that you re likely to receive a quotation quickly, making best use of your time. Widening our appetite means we are now capable of trading up to a 20m MD/BI limit online with no Turnover cap. An array of new product features e.g. addition of terrorism, floating contents, stock and/or Computer equipment, ability to add North America exposure and more. Be helped along the way by knowledgeable and experienced underwriters. Be reassured by our efficient and prompt service, designed to support your placement of business. Be reassured by our guarantee of fair presentation of risk. A guarantee that provided you complete the questions accurately and in good faith, and the assumptions on the statement of fact are checked; we will accept this as a fair presentation of risk. Want to recommend this product to your customers. NEW WAYS OF WORKING WITH YOU Accessing expertise and support We know how important it is for you to be able to contact a knowledgeable underwriter so we ve enhanced our underwriting capability with direct access to decision makers. This ensures you get the right decisions, how you want them, fast. You can use the refer to underwriter functionality which is new for Business Combined, in addition to calling our underwriters to access the expertise you need.

4 WE VE GOT IT COVERED FOR YOU Our new Business Combined product offers flexible insurance solutions for a wide range of manufacturing, wholesaling, supplying, retail, administrative and leisure risks. It has been designed with your customers in mind and is suitable for a wide range of company types from sole proprietors to limited companies. In short, if you want to combine cover for your customers, our product is suitable for risks with sums insured of up to 1m worth of target stock/stock, 2.5m of contents plus uplift and 5m of buildings elements plus uplift. There is no limit on turnover, making it possible to etrade a risk with a total property exposure of up to 20m when uplifts and Business Interruption are taken into account. WE VE GOT IT COVERED FOR YOUR CUSTOMERS Because no two businesses are alike, our Business Combined insurance provides comprehensive cover as standard and allows a flexible range of options to be selected simply and easily. Your customers get the insurance their business needs but don t pay for cover they don t. A SOLID CORE OF GREAT BUSINESS COVER... Business Combined is designed to be flexible right from the start. Our core mandatory cover is Property Damage - Contents insurance, which insures trade equipment and extends to include designs, plans, documents, manuscripts and employees personal effects, including tools.

5 WHAT S INCLUDED F ully modular Contents is the only mandatory cover section. P olicy inner limits designed to cater for larger Once you ve chosen Property Damage - Contents insurance for your customer s business contents, you can then mix and match exactly what their business needs from a broad range of modular cover options, including: businesses (e.g. Computer and Business Interruption). We ve introduced greater flexibility to include North America Exposure up to 30% depending on the product being manufactured. TARGET STOCK COMPUTER EQUIPMENT BUILDINGS TENANTS IMPROVEMENTS BUSINESS INTERRUPTION ALL RISKS LOSS OF LIQUOR LICENCE MONEY EMPLOYERS LIABILITY GOODS IN TRANSIT FIDELITY INSURANCE PERSONAL ACCIDENT INSURANCE PUBLIC & PRODUCTS LIABILITY STOCK RENT DETERIORATION OF STOCK TERRORISM MACHINERY BREAKDOWN LEGAL EXPENSES INSURANCE

6 WHY CHOOSE BUSINESS COMBINED FROM RSA? We know that one size doesn t fit all, and we are experts in developing solutions to meet customer s needs and demands, especially in today s busy marketplace. Put simply, we re making it easier allowing you to spend more time with customers. From refreshing our product and proposition for combined insurance, developing a new and enhanced way of trading to defining our appetite, Business Combined clearly is a great option for your customers. WE VALUE OUR RELATIONSHIP WITH YOU At RSA, we re committed to working with you to help drive your profitable growth taking the time to understand you better, and putting our expertise at your service. WE CAN HELP SOLVE YOUR BUSINESS CHALLENGES As one of the UK s largest commercial insurers, we put brokers and customers at the heart of everything we do. WE RE EASY TO WORK WITH We want it to be simple and straightforward to work with us, so we cut through the complexity. Giving you access to support and expertise when you need it.

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8 For more information visit rsabroker.com Royal & Sun Alliance Insurance plc (No ). Registered in England & Wales at St. Mark s Court, Chart Way, Horsham, West Sussex RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.