Optima Business Plus

Our commercial combined insurance is ideal for businesses that have more complex insurance requirements and require a tailored approach to the level of cover they need.

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.

Get a Quote

Optima Business Plus is our fully automated online commercial combined product available via Ageas Insurance Extranet. Our highly intuitive user interface allows you to tailor cover for your SME clients for over 1,000 trades. For trades that are not listed, an electronic referral will automatically be made to our Commercial Digital Trading team. Whether you’re writing new business or have mid-term adjustments, Optima Business Plus provides a quick, highly professional service, bespoke to your clients’ needs. 

Who is it for?

  • Aimed at risks that fall outside the range of our package products
  • Risks with wage roll up to £2.5m or turnover up to £7.5m
  • Risks with sum insured at each location for property and business interruption up to £5m (in most cases without referral)
  • Single or multi location risks
  • Low hazard contracting risks


17.5% except Terrorism at 10%. Variable commission to 30%.

Minimum premium starts from

Quote and buy

Optima Business Plus full-cycle trading available on the Ageas Insurance Extranet

Get a Quote


Available cover includes the following:

Cover Optima Business Plus
Property Core cover includes:
  • All Risks
Cover automatically extends to include:
  • Day one reinstatement 15% uplift on buildings and general contents
  • Money £2,500 during business hours
  • Capital additions 10% of buildings sum insured or £250,000
  • Replacement locks £1,000 limit if theft cover operative
  • Glass, blinds and signs
  • Damage to underground services £25,000 limit
  • Extinguishment expenses £25,000 limit
  • Metered water charges £2,500 limit
  • Cover away from the premises:
    • Computer records and business books £25,000 limit
    • Stock at storage locations £10,000 any one location, £20,000 total
    • Contents temporarily removed 10% of sum insured or £100,000
    • Stock and contents at exhibitions £10,000 limit  
Cover can be extended to include
  • Subsidence
  • Terrorism
  • Loss of Income various cover options available; gross profit, gross revenue, additional cost of working etc. Maximum indemnity period selectable up to 36 months
  • Book debts
  • Public and Products liability up to £10m limit of indemnity
  • Employers' liability £10m limit of indemnity
  • Money (if wider cover than standard is required)
  • Property in transit options to cover transit by own vehicles, haulier vehicles and road, post or courier services
  • Machinery and Computer Equipment breakdown
  • Specified all risks cover for items away from premises
  • Legal expenses, refer to the separate Bussiness Legal Guard policy


  • Property damage - £250
  • Subsidence - £1,000
  • Public liability - £250 (Third party property damage)


  • Loss of Income automatically includes denial of access, public utilities, closure of premises due to vermin, pests, defective drains and defective sanitation and suppliers extension up to £100,000 limit
  • Index linked buildings and contents sums insured
  • 24 hour legal and business helpline
  • 24 hour property repair helpline

Risk appetite

Our target trades

  • Manufacturing
  • Warehousing
  • Distribution
  • Builders merchants
  • Social clubs
  • Sports clubs, health clubs and gyms

Unacceptable / non-target business

Unacceptable / non-target business
Class of insurance
  • Excess layer PL/ Products
Market sectors
  • Farms
  • Hauliers
  • Residential care and nursing homes
  • Motor trade risks

(Please note: cover for farms, care homes and motor trade risks is only available through schemes and bespoke facilities)

Trades and occupations
  • Amusement arcades
  • Boat retailers or hirers
  • Chemical manufacturers
  • Churches and other religious establishments
  • Medical and surgical equipment manufacturers
  • Nightclubs  


Optima Business Plus