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Our Office and Surgery Insurance Policy offers a wide range of cover to
suit virtually any type of office. You choose the cover you need so that
your policy precisely suits your business. Click on any bullet below for a
brief, jargon-free description of the cover available.
Choose from:
 | Buildings
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Covers: - Loss, damage or destruction of buildings from which your business operates including
walls, gates and fences around the property, and underground services.
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Doesn't cover: -
 | The first £250 of claims not caused by
fire, lightening, explosion, earthquake or aircraft. |
| The first £500 of damage caused by animals
which are on the premises for the purposes of the business. |
| Loss of or damage to fences or gates caused by
storm or flood, damage to glass, damage to any part of the building
or outbuildings when unoccupied for more than 21 consecutive days. |
| Theft, unless following entry or exit by
forcible and violent means. |
| Any damage arising from lack of maintenance,
wear and tear, vermin, rot, mechanical or electrical breakdown.
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| Loss of Rent
Receivable
| If you own the
building, you can cover any reduction in rent that you receive from tenants if
the building is unusable as a result of damage. |
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| Trade Contents
| Covers all contents which belong to you or for which you
are responsible including -
| stock in trade, goods held in trust, employees
effects |
| computers and other electronic office equipment |
| drugs and medicines |
| tenants improvements. |
| portable equipment |
| refrigerator contents |
| money - (special terms apply) |
| property temporarily removed |
| replacement of locks (following theft of
keys)
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Doesn't cover
| The first £250 of claims not caused by
fire, lightening, explosion, earthquake or aircraft. |
| The first £500 of damage caused by animals
which are on the premises for the purposes of the business. |
| Loss of deeds, bonds, money, securities, furs, jewellery,
precious stones or metals (except metals used in any medical or
dental practice) works of art, explosives, motor vehicles or their
accessories |
| claims arising when the office is unoccupied for
more than 21 consecutive days |
| Theft, unless following entry or exit by
forcible and violent means. |
| Any damage arising from lack of maintenance,
wear and tear, vermin, rot, mechanical or electrical breakdown. |
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| Business Interruption
| Covers loss of income or increased cost of working arising from
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claim under your buildings or contents insurance. |
| prevention of access through damage to
property in the vicinity of your premises |
| failure of the public supply
of gas, electricity or water |
| temporary closure of your business by the police
or other authority |
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Doesn't cover
| failure of public services for less than 2 hours |
| where the service supplier exercises their right
to withhold service |
| loss resulting from any fault in the
installation at your premises.
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| Employers Liability
| Legally required for businesses with
even one employee, this covers
| any damages for which you
become legally responsible, payable to your employees for
illness, injury or disease caused in the course of their employment - up
to £10,000,000. |
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| Doesn't cover
| compensation for injuries sustained
while travelling in or getting into or out of a vehicle |
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| Public Liability
| Covers
| any damages and claimants cost for which you become legally liable -
occurring in connection with your business - up to
£2,000,000. |
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| Doesn't cover
| claims arising from contamination
or pollution |
| employer's liability |
| damage to directors', partners' or
employees' property |
| claims arising from the ownership
or use of any craft or vehicle which is subject to compulsory
insurance |
| Professional Indemnity |
| Product Liability |
| fines, penalties or punitive
damages |
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| Computer Breakdown
| Covers loss, damage or destruction of computer
equipment, by any cause, while in your office or surgery. This section
can be extended to include the additional costs of working following a
claim. |
| Doesn't cover
| the first £100 of each claim |
| the loss of data or the cost of reinstating it |
| any reduction in income resulting from the loss
or damage |
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The information on this page is for
guidance only. Conditions and exclusions apply. Please refer to our full policy wording
- available on request and with every quotation.
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