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.

Key description

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.

Alternative products

  • 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

Selling points

For more information about Target Market statements please visitOffice and surgery.


Key documents

  • To access key documents please log in.

All current documents

To access all current documents please log in.


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

New claims

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.
  • UK-based.
  • Rapid deployment of loss adjusters.
  • Tried and tested weather response plan.

Reported claims

Claims experts:

  • 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.

Service channels

Cross-sell products

  • 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.

Log in and save this page to your favourites.