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.
Why choose NIG for Office & Surgery?
- Introductory no claims discount available at new business.
- No claims discount available at renewal.
- Over 250 acceptable trades.
- Standard excess of £200 for Contents and Buildings with £100 or £500 options available. (NB the minimum Excess for Escape of Water is £500).
- Multiple premises discounts (can cover up to 10 Premises on one policy).
- Engineering Breakdown automatically included covering printers, copiers, telephone and computer equipment, domestic kitchen and laundry equipment and Audio visual equipment Boilers, lifts, alarms and air conditioning units covered if Buildings insured. Provides up to £15,000 for frozen or chilled foods and up to £5,000 for other perishable goods.
- Option to add accidental damage to Buildings Contents.
- Option to add Legal Expenses up to £100,000.
- Lock replacement cover as standard up to £25,000 in the period.
- Business Interruption included as standard. Gross income or increased cost of working available.
- Option to include Injury to Working Partners under Employers Liability.
- Advice lines for health and medical assistance, emergency assistance, glazing, legal advice and counselling.
What's covered
Standard covers
| Cover | Maximum limits The amount in brackets denotes the standard limit provided. |
|---|---|
| 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 |
Optional covers
| Cover | Maximum limits |
|---|---|
| Buildings | £5,000,000 |
| Specified all risks | £20,000 |
| Personal accident | Capital benefits £50,000 |
| Legal expenses | £100,000 |
| Terrorism | Available |
* must insure either gross income or increased cost of working.
This is a summary of the cover available. Please refer to the policy booklet for full terms and conditions.
Available on
- TheHub
- Acturis
- PowerPlace Micro
- PowerPlace SME
- Applied
Documents
The following policy documents apply to policies incepted on or after 05 April 2023 or renewals processed on or after 05 April 2023.
Legacy documents
The following policy documents apply to policies incepted or renewed on or after 11 July 2021 for the 2021 documents or 09 October 2019 for the 2019 documents.
