Office and surgery

Property & Commercial

Range of covers that can be tailored to suit a variety of office based businesses


It is designed to cover the assets, earnings and legal liabilities of your client’s business. Our dedicated package underwriters can tailor the cover your client needs to protect their business.

Submit your risk online

Submit details of your risk directly to our underwriters for priority review.

Access broker portal

Key documents

Office policy

Office policy

Surgery policy wording

Surgery policy overview

Product Oversight & Governance


Submit a claim

Complete our online form.

Alternatively, if the loss or damage is extensive, please call our Claims Department as soon as possible. Full contact details here.

Helpline details

Property claims – 0344 412 9988

Liability claims – 0344 893 9500

Key benefits

Trade contents up to £500k per location

Goods in transit £10k

£10k money in unspecified safe


  • Trade Contents up to £500,000 per location
  • Money £ 3,000 on Premises during Business Hours & £1,000 in a safe (option to increase)
  • Exhibitions within UK up to £10,000
  • Employers Liability –£10,000,000 standard (up to £25,000,000)
  • Public & Products Liability – £2,00,000 standard (up to £25,000,000)
  • Legal Expenses up to £100,000 any one event & £1,000,000 any one period of Insurance
  • Automatic WW for computer equipment
  • Locks & Keys up to £2,500


  • Trace and Access up to £25,000
  • Loss of Oil/Metered Water – up to £10,000
  • Damage to shop front
  • External Blinds, Awnings, Canopies & Signs- up to £2,500
  • Clearing of Drains- up to £2,500
  • Glass Cover
  • Free Tax advise helpline
  • 24 Hour Legal Advise Helpline
  • Online risk management service
  • Deterioration of Drugs & Vaccines (Surgery Product only)

(Options to enhance/increase)

Additional cover

  • Buildings
  • Terrorism
  • Additional Computer Cover
  • Deterioration of Stock
  • Personal Accident
  • Theft by Employees

Target Business

Our Product offering includes a range of covers to suit a variety of office based businesses, ranging from secretarial services to graphic designers, veterinary surgeons to estate agents, travel agencies to doctor’s surgeries.

Your expert team

You can access our knowledgeable underwriters directly to discuss your clients’ needs.

Simon Bell ACII

Lead Underwriter
01923 298 441
07873 300 883

David Fitzgerald

Senior Underwriter
01923 964 899
07708 473 336

Rob Lovell

Rob Lovell

01752 424 665

Kevin Stitt

01387 272 617

Amanda Foweraker Cert CII

01245 847 630

Harry McMahon

01387 403 012

Caitlin Brown

Underwriting Assistant
01245 847 630

Connor Brown

Underwriting Assistant
01387 216 684


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