Office and Surgery
Single or multi-location offices/surgeries with a maximum inner computer limit of £250k and £7.5m overall sum insured per location.
A packaged product offering extensive all risks cover, including £500k legal expenses as standard, and the flexibility to increase the majority of core cover limits to suit the needs of your client including optional covers.
- Average Free Property Cover, plus free of charge automatic uplifts to the contents and buildings sums insured, providing valuable extra protection
- Business Interruption free of charge automatic uplift, enhanced & simplified inner limits
- Business equipment covered at the policyholder’s or any of their employees’ homes
- Cover for damage to/theft of the policyholder’s mobile phone and accessories, including unauthorised use following theft
- Promotional merchandise, brochures and goods in trust
- Public Liability cover, including leased or rental premises up to £5m
- Essential Personnel cover to limit the reduction in income following the death or total permanent disablement of the owner, partner, director or trustee
- Automatic £500k legal protection including cover for Employment/Contract disputes
- Money & Assault
- Book Debts
- Computer Equipment, Contents & Business Records
- Business Interruption
- Optional covers available, Stock (Surgeries only), Computer Breakdown, Buildings and Tenants Improvements cover, Terrorism, Employee Dishonesty and Personal Accident.
- Self Employed: For businesses trading from home or premises with no buildings or contents to insure essential core covers of Public Liability, Money and Legal Expenses
- Professional Offices: For larger single or multi-location office premises occupied by professionals such as accountants, solicitors and architects
- Business Services: For larger, non-professional office risks that require higher limits or more complex cover.
- Commercial Combined: For small to medium sized businesses up to 10 premises with a total combined sum insured of £5,000,000
- Access to free legal and business guides via our business support website www.cutredtape.co.uk
For more information about Target Market statements please visitOffice and surgery.
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We recognise the impact a claim can have on your customer’s business. We want to get them back to normal as quickly as possible.Claims contacts and services
Fast and simple notification of claims.
- Notify new commercial property claims 24/7/365 - online or by freephone, fax or e-mail.
- 24/7/365 help from emergency plumbers, glaziers and locksmiths to ensure your customers aren’t left in a vulnerable position.
- Rapid deployment of loss adjusters.
- Tried and tested weather response plan.
- Dedicated commercial property teams in Southend and liability teams in Glasgow.
- Proactively minimise impact of a claim to your customer’s business.
- Interim payments to keep your customers trading.
- Online claims tracking.
- 12 months guarantee on repairs carried out by our approved network.
- Claims solutions for all your customers - from sole traders to large organisations.
- Directors & Officers: Providing directors and officers with protection against claims, such as negligence, brought by other parties including shareholders, customers, suppliers and employees
- Minifleet: For businesses with three to 12 vehicles
- Commercial Crime: Comprehensive protection against loss of money, stock, equipment or machinery following theft or fraud by employees
- Group Personal Accident, Sickness & Business Travel: Protection for the business or its employees against a number of unplanned incidents.
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