Products/Office & Surgery
Commercial packageOffice & Surgery
Cover built for offices, surgeries, consultancies and professional premises — the building, the contents and equipment, the income, and the liabilities that come with seeing clients and patients. Turnovers up to £5m.
What’s covered
The cover, in detail.
Property
- Buildings — Day-One reinstatement
- Tenants’ improvements
- Contents & stock
- Computers & electronic equipment
- Specified all-risks — laptops & mobiles
- Glass
- Money — business hours & in transit
- Goods in transit
- Book debts
Business interruption
- Gross profit, for a set indemnity period
- Increased cost of working
- Rental income
Liability
- Public liability
- Employers’ liability — £10m any one occurrence
Employers’ liability£10,000,000 any one occurrence
Optional / selectable
Subsidence, heave & landslipAccidental damageVoluntary excess — £1,000 or £2,500
A summary of cover, not a statement of policy terms — the policy wording governs. Sums insured are set per risk, and availability, covers, limits and terms are subject to appetite and underwriting.
Who it’s for
Is this your client?
Offices & consultanciesMedical & dental surgeriesProfessional servicesClinics & practices