Office and Surgery

Office and Surgery
You can now sumbit your risks for this product online via our Broker Portal. Find out more*
Using our Web submit enquiry form via our online Broker Portal, we can produce a flexible solution, typically within hours, giving you the competitive edge in a sometimes difficult market environment.

What is it?

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.

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.


Coverage Limits:

Our Office & Surgery product provides as standard (with options to enhance/increase):

  • 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)

Optional covers available:

  • Buildings
  • Book debts
  • Terrorism
  • Additional Computer Cover

Customer Profile:

Offices and small independent surgeries, with good risk management and positive risk features

Target Business

High Grade Offices and well managed Surgeries