Office and Surgery Insurance

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What Is Office And Surgery Insurance, And Why Do I Need It?

Office and surgery insurance is usually now purchased as a 'package policy'. This means that the policy provided will encompass all sections required to fully protect you and the daily running of your business.

These Sections Of Cover Would Include The Following Items:

  • Contents
    This covers items such as furniture, fixtures and fittings and all types of electronic business equipment
  • Buildings
    For premises where you are also the freeholder of the property, this section can be included, and also cover you as the owner for property owners liability
  • Business Interuption
    Business interruption covers your business against losses incurred following a loss which is covered by your office insurance. For example: if you were unable to trade because of a major fire at your premises, business interruption insurance could pay for your lost earnings and costs during the period of interruption
  • Employers & Public Liability
    This covers both your staff and the general public whilst on your premises, against personal injury etc, as a result of negligence on behalf of your business. For example, someone tripping over loose carpet or overloaded files falling onto someone
  • Glass Cover
    This can be very costly to repair in the event of a claim.  As an owner occupier of the premises or even if you are a tenant renting a premises, you will be responsible for covering external and internal glass panels, as well as doors and all signs relevent to your business. (With certain EU regulations having to be adhered to, a typical shop / office front pane of glass can easily cost in excess of £800.)

Please give us a call, or request a call back, and we can discuss your requirements, and as always:

If we can’t give the best price, we will always give the best advice.

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