Commercial Combined Insurance
Flexible commercial combined insurance for brokers placing property and liability risks across multiple business sectors
Dolmen Underwriting provides access to a Commercial Combined insurance solution designed for brokers placing a wide range of business risks under one policy.
This package policy brings together property, liability, and business interruption covers, allowing brokers to arrange comprehensive protection for commercial clients across retail, manufacturing, property ownership, and service sectors.
Underwritten by A-rated insurers, the product offers flexibility in cover structure and is suitable for both standard and select non-standard risks.
Who this product is designed for
The Commercial Combined scheme is suitable for brokers placing cover for a wide range of commercial clients, including:
- Residential and commercial property owners
- Manufacturing and production businesses
- Retail and wholesale operations
- Warehousing and distribution risks
- Office-based businesses
- Engineering and light industrial trades
The product is designed for businesses requiring multi-section cover under a single policy, simplifying placement and administration.
What the policy covers
This is a comprehensive package policy offering multiple sections of cover, which can be tailored to suit the client’s needs.
Key cover options include:
- Property Damage (all risks basis)
- Theft and Glass
- Business Interruption (loss of income and increased costs)
- Goods in Transit
- Money and Book Debts
- Deterioration of Stock
- Loss of Licence
- Employers’ Liability (up to €10m)
- Public & Products Liability (up to €6.5m)
- Personal Accident and Legal Expenses
As outlined in the product documentation, the policy can be structured to match the risk profile and operational exposure of the business.
Key underwriting appetite
Dolmen Underwriting can consider a wide range of trades, including:
Typically accepted:
- Plastics and light manufacturing
- Textiles and printing
- Cafés and small food outlets
- Glass and glazing trades
Considered on a selective basis:
- Restaurants and hotels
- Food production risks
- Chemical exposures
- Contractors liability extensions
- Licensed premises
Certain trades may fall outside appetite, including higher-risk or restricted industries.
Policy limits and key features
- Employers’ Liability: up to €10,000,000
- Public / Products Liability: up to €6,500,000
- Total Sum Insured: up to €10,000,000
- Minimum premium from €500 plus levy and fees
- Commission: 15%
The policy provides a scalable solution depending on business size and exposure.
Important Documents
The documents below provide full details of the Commercial Combined product, including cover, limits, conditions and exclusions. These documents should be reviewed to ensure suitability for the specific business risk being placed.
The Policy Wording outlines the full terms, conditions, cover sections, exclusions, and limits, helping brokers understand how the Commercial Combined product operates.
The IPID (Insurance Product Information Document) provides a clear overview of the main policy features, cover sections, exclusions, and limits, helping brokers quickly assess the cover.
Important underwriting considerations
When placing Commercial Combined risks, brokers should consider:
- Nature of business operations
- Property values and sums insured
- Business interruption exposure
- Liability risk profile
- Claims history
- Security and risk management measures
Full disclosure of material facts is essential to ensure correct placement and cover.
Why brokers place business with Dolmen
Dolmen Underwriting provides brokers with access to a flexible, multi-section commercial insurance solution.
Key benefits include:
- Wide range of cover sections under one policy
- Suitable for multiple business sectors
- Flexible underwriting approach
- Competitive premiums and commissions
- Access to A-rated insurer capacity
- Support from experienced underwriting team
This makes the product ideal for brokers seeking a single-policy solution for diverse commercial risks.
Specialist Underwriting Support
Work directly with experienced underwriters who understand complex commercial risks and provide practical placement solutions.
Flexible Product Solutions
Access specialist insurance products designed to help brokers place non-standard and niche risks.
Trusted Industry Experience
Benefit from decades of underwriting knowledge and strong relationships across insurers and broker partners.
Affordable Home Insurance That Doesn’t Cut Corners
Choosing the cheapest policy isn’t always the best option. At Dolmen, we look beyond the premium to find you quality home insurance that actually works when you need it. Whether you’re insuring a family home, an apartment, or a property you rent out – we’re here to find the right protection for your lifestyle and budget.
We search the market, explain your options clearly, and help you save where it makes sense – all while ensuring you’re fully covered.
Why Choose Dolmen for Your Home Insurance?
- Decades of experience in the Irish insurance market
- Independent advice and access to top Irish and UK insurers
- Personalised service with real people – not just a website
- Excellent customer support throughout your policy
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Place Smarter Faster with Dolmen
Underwriting Solutions Brokers Can Trust
If you would like to arrange cover under the Commercial Combined scheme, contact the Dolmen Underwriting team or submit details of the risk for review.
Our team can assist with underwriting guidance, eligibility checks, and placement options.