Commercial Guard - Distributors

A combined policy for the wholesaler/distributor with the ability to select the covers typically needed for businesses in this sector.

Terms, conditions and exclusions apply. Please refer to the Policy Wording and Policy Summary for further details. We also underwrite a variety of schemes, if you have a policy underwritten by Ageas you should check your policy document for full cover details.


Available cover includes the following:

Cover Commercial Guard - Distributors
Property Standard cover with trade contents includes:
  • Fire, perils and accidental damage including impact damage by fork lift trucks
  • Non-process machinery breakdown up to £1,000,000
  • Computer equipment breakdown up to £100,000
  • Trade contents includes cover up to £10,000 for computer equipment
  • Theft, money, malicious attack and glass
  • Wide range of standard extensions including loss of metered water £2,500, trace and access £5,000, landscaping expenses £5,000, damage to trade contents and stock whilst at exhibitions £2,500, and third party storage locations £5,000
  • Most standard limits can be increased
Optional covers:
  • Buildings
  • Deterioration of stock
  • All risks (UK Europe or worldwide options)
  • Fidelity guarantee
  • Terrorism
Business Interruption In addition to gross profit, standard cover includes:
  • Loss of income following non-process machinery or computer equipment breakdown £50,000
  • Unspecified customers/suppliers £25,000 
  • Public utilities (fire & perils) terminal ends
  • Prevention of access
  • Transit £5,000 
  • Book debts £25,000 
  • Most standard limits can be increased
Optional covers:
  • Declaration linked basis
Liability Cover includes:
  • Employers’ liability £10m any one occurrence
  • Public liability up to £5m any one occurrence
  • Product liability up to £5m any one period
Optional cover:
  • Work away from the premises (collection/delivery already included)
Legal Expenses
Also available, cover for
  • Goods in transit
  • Personal accident

Excess (starts from) - £250

Minimum premium starts from



How to get a quote

To obtain a quote contact us.


Commercial Guard - Distributors