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

Office & Surgery Sales Aid

The following Policy Documents apply to policies incepted or renewed on or after 12 August 2016 

Office & Surgery Policy

Office & Surgery Key Facts

Office & Surgery - Notice to Policyholders

The following Policy Documents apply to policies incepted or renewed prior to 12 August 2016.

Office and Surgery Policy

Office and Surgery Key Facts


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)
Policy Extension - Equipment Breakdown  £5,000,000 per accident
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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