Office and Surgery

Overview
Choose from a complete range of covers and useful options to meet the needs of the growing professional service industry, as well as surgery-based businesses – ensuring you have the right protection in a sector with increasing legal complexity. From acupuncturists to accountants and veterinary surgeons to will writers, our insurers can provide high quality cover.

Key Features
Typical cover:

• property damage on an all risks basis – including deterioration of drugs and vaccines and precious metals for surgeries
• business contents which are normally kept at office premises while temporarily removed
• a choice of loss of income or increased expenses – including failure of telecoms, documents in transit and cover for employees winning the lottery
• employers’ liability – including automatic cover for work experience and other trainees
• public liability – including cover for leased or rental premises
• legal protection – including cover for contractual disputes and debt recovery

You can add on useful optional cover for:

• 24-hour personal accident
• employee dishonesty
• book debts
• business travel
• computer breakdown
• terrorism.