Office & Surgery

We can offer vital covers for your office no matter what your business is.  You will require liability cover for third parties visiting your office as well as for your staff. Office policies can also insure your property including those all important electronic devices whether at the premises or away from the premises whilst carrying out your business.   

Whilst you are browsing, here are the main covers under a Office/Surgery package policy

Property
Protect the building if you own it and all your stock and contents from Fire, Flood, Theft and other insured perils. Remember those expensive pieces of electronic equipment an office policy will provide cover for this equipment anywhere in the UK and beyond should you require it.  You are also able to specify any equipment leased to you.  

Business Interruption
In the unfortunate event of an incident you will have to consider additional expenses incurred to enable you to continue trading. You can also extend this cover to include loss of income following an incident.

Money & Assault
This section will cover loss of money from your premises whilst you are there or on your way to the bank, plus a smaller level of cover for money left on your premises overnight. Policies also include a pay out to you or your employee if you are assaulted whilst carrying money for your business.

Employers Liability
A legal requirement for you if you employ staff, a package policy will automatically include cover to protect you against your legal liabilities for bodily injury to employees up to a limit of £10,000,000.

Public & Products Liability
If a third party injures themselves or their property is damaged whilst at your premises, you will need this automatic cover. Limit of liability usually £2,000,000 although this can be extended.

Commercial Legal Protection
A valuable cover which provides protection for legal costs arising from specified incidents in connection with your business.  Examples of covers would be employee disputes, tax protection and contract disputes.

You can also buy extra covers if they are required such as cover Computer breakdown, loss of book debts, employee dishonesty and personal accident.  Professional Indemnity cover can also be arranged, see our Professions section.