Complete Business

Complete Business offers a range of insurance covers for a wide spectrum of trades, from manufacturing, wholesale, distribution and service providers, to sports and social clubs.
This product is designed to cover commercial businesses with a turnover of up to £10,000,000 and a material damage/business interruption combined sum insured of up to £10,000,000.
It includes cover for property damage, public liability and commercial legal expenses, and can be easily tailored to meet specific business needs.

Key Features of Complete Business

  • Property Damage – cover for contents, computers, buildings and stock.
  • Business Interruption – cover for loss of gross profit or revenue following loss or damage covered by the Property Damage section.
  • Book Debts – covers debit balances up to £250,000.
  • Loss of Money – following theft or attempted theft of money.
  • Specified All Risks – damage to specified items anywhere in the UK, EU or Worldwide.
  • Employers' Liability – up to £10,000,000.
  • Public and Products Liability – up to £2,000,000 with the option to increase to £5,000,000 or £10,000,000.
  • Personal Accident – arising from any accident in work or in leisure time up to £10,000 per unit and up to a maximum of five units.
  • Theft by Employee – up to £100,000 in any one policy period.
  • Commercial Legal Expenses – provides up to £100,000 for any one event and up to £1,000,000 for any one period of insurance for selected events.

For full details, download our fact sheet or contact our small business team.

Average free

We've removed Average from Complete Business:

  • for added security when assessing the sums insured
  • to remove uncertainty around cover at the point of a claim.

find out more


  • Free risk management can help your clients save money, comply with health and safety regulations and reduce claims frequency.
  • Free or discounted legal and tax adviceAllianz Legal Services provides a range of online and telephone services to help support customers throughout their business’ journey, saving them from costly solicitors' fees.
  • Preferred supplier discounts – available via our extensive network of service providers.
  • Engineering – cover available from Allianz Engineering.
  • Glass replacement specialists – available 24/7/365.
  • Claims helpline – available 24 hours a day, 7 days a week.

For more details, please contact our small business team.

Trade Sectors

Complete Business is designed to cater for a broad spectrum of trades, including: 

  • Clothing and textiles
  • Electrical and electronics
  • Glass, pottery, brick and craft
  • Machine equipment manufacture
  • Plastics manufacturer
  • Printing and publishing
  • Wholesale and warehousing
  • Precision metalworkers

Documents for Complete Business

To download documents, please click the links below:

General Documents
Document PDF Format Download
Complete Business Policy Overview
Complete Business Fact Sheet
Complete Business Policy Wording (for policies incepting or renewing from 1 Apr 2018)
Previous versions
Document PDF Format Download
Complete Business Policy Wording (29 Feb 2016 - 31 Mar 2018)


Our highly trained claims service teams will work closely with you and your customers to deliver a fast, fair and flexible experience, ensuring all involved are kept well-informed throughout.

We are committed to providing a claims service that you and your customers can rely on. To notify us of a Commercial claim, or to find out more about our processes and service, please select one of the options below and you will be redirected to the relevant information:

For brokers

For customers

Get a quote for Complete Business today!

Simply log in to QuoteSME and select Complete Business from the welcome screen. Then complete the questions to obtain your quote. Should you need to register, click here.

Please contact our small business team if you require any assistance.