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hello my name is Adrian Sanderson and Im the senior development underwriter for the property and packages team concentrating on the commercial combined product our commercial combined products is owned a premise-based risk so manufacturers wholesalers retailers certain Leisure and Hospitality risks and administration and Professional Services in terms of a maximum some insured this is generally to 10 million pounds this is the combined material damage and business Interruption so insured theres 10 million pound limit may be lower for certain wholesale invests property cover is mandatory with all other covers being optional we have helped several Brokers by covering the property scores only for example whereby the liability cover is placed with a specialist market and the broker is needed to place the property to cover our minimum premium is 750 pounds for Target trades uh metal working machinery manufacturers electronic instruments an office Machinery modern printing trades modern p