Appetite guide/Office & Surgery
Broker appetite guideOffice & Surgery
For offices, surgeries, consultancies and professional premises — the building, contents, income and liability.
Last reviewed 23/10/2026
Who it’s for
AccountantsArchitectsEstate AgentsInsurance BrokersManagement ConsultantsSolicitorsDentistsDoctorsPhysiotherapistsOsteopathsVeterinary Surgeries
Headline limits
Annual turnoverUp to £5,000,000
Any one premisesUp to £3,000,000 — buildings, contents, stock and business interruption combined
Employers’ liability£10,000,000 any one occurrence
What we’re happy to write
- Office-based professional and clerical businesses on the Office & Surgery trade list
- Surgeries and clinics, including dental, medical, therapy and small-animal veterinary practices
- More than one premises on one policy — each premises is assessed on its own answers
What we can’t write
- ✕Risks in Northern Ireland (BT postcodes)
- ✕Buildings built before 1750
- ✕Grade I or Grade II* listed buildings (and the Scottish and Northern Irish equivalents) where buildings are insured
- ✕Thatched roofs and living (green) roofs
Needs an underwriter to review
- !Some risks need an underwriter to look at them before terms are released — the portal tells you straight away when that happens.
Have this information ready
- •The profession or activity, annual turnover and the number of employees
- •Buildings rebuild value (if buildings are insured), contents, computer equipment and business interruption figures
- •Wall and roof construction, year built and listed status
- •Money, goods in transit and portable equipment limits needed
- •Claims for the last 5 years with the date, type and amount of each claim
This guide is a summary of our appetite and is not a statement of policy terms. Every risk is subject to underwriting and the policy wording.