Office and Surgery

Office _and _surgery

Our full-cycle Office and Surgery eProduct is designed for businesses operating from offices or surgeries with no element of manual work. It is suitable for up to 10 premises.

  • Introductory no claim discount available at new business
  • No claim discount available at renewal
  • Over 250 acceptable trades, all auto-rated without referral
  • Standard excess of £200 for Contents and Buildings with £100 or £500 options available
  • Multi-premises discount
  • Business Interruption included as standard. Gross income or increased cost of working available

  • Engineering breakdown covers essential items such as office equipment including telephone services, fax machines, copiers and printers

  • Free advice lines for health and medical assistance, emergency assistance, glazing, legal advice and stress counselling

  • Option to add accidental damage to Buildings and Contents

  • Option to add legal expenses up to £100,000

  • Lock replacement cover as standard up to £25,000 in the period

  • Solicitors
  • Accountants
  • Lawyers
  • Chartered Surveyors
  • Management Consultants
  • Doctors Surgeries
  • Dentists
  • Architects
  • Bookkeepers


Cover Maximum Limits (up to)
Contents £5,000,000
Public/Products Liability £10,000,000 (£2,000,000)
Employers Liability £10,000,000
Business Interruption (Gross Income)* £5,000,000 (£500,000)
Business Interruption (Increased Cost of Working)* £250,000 (£50,000)
Glass Unlimited
Goods In Transit £10,000 (£5,000)
Fixed Signs £1,000
Money £12,000 (£5,000)
Personal Accident (Assault) Capital Benefits £10,000


Cover Maximum Limits (up to)
Buildings £5,000,000
Specified All Risks £10,000
Personal Accident Capital Benefits £50,000
Legal Expenses £100,000
Terrorism Available

* must insure either Gross Income or Increased Cost of Working. The amount in brackets denotes the standard limit provided.

This is a summary of the cover available. Please refer to the Policy Booklet for full terms and conditions.


Available on...

TheHubiconsInsurecom -
ActurisiconsOpenGI -
PowerPlace - CDL -
SSP - Datamaters -

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