Professional Offices


Larger single or multi-location office premises occupied by professionals such as accountants, solicitors and architects.

Key description

Provides a range of optional covers which you can choose from to create a policy that meets the needs of you clients.

  • Property protection, including Exhibitions cover up to £5k
  • Computer cover, including Debris Removal up to £50k, Incompatible Software up to £50k and ICOW following damage caused by a virus up to £25k
  • Income protection, including Full failure of Public Utilities up to £50k, Workplace or IT Recovery Services up to £25k, Essential Personnel up to £10k and Full Failure of Telecoms up to £100 per day/£2,500 per period
  • Charity/not-for-profit organisations – Loss of Income following adverse publicity or death of a patron up to £25k
  • Public Liability, including legal expenses and costs in defending prosecutions under all relevant health and safety legislation
  • Outsourced Administrative Services covered up to £25k – reimbursement of any additional costs incurred following damage to property at any administrative service provider which results in the failure of the business to deliver their contracted service to the business.

You can add cyber cover to this policy

You can add cyber cover to any commercial combined policy (excluding Fast Trade) at new business, mid-term or renewal – just get in touch with your usual underwriter.

Find out more about Cyber

Alternative products

  • Self Employed: For businesses trading from home with no business premises to insure. Essential core covers of Public Liability, Money and Legal Expenses
  • Office & Surgery: For smaller office-based clients. Overall Property Damage and Business Interruption limit of £5m per location, and £250k inner computers limit.

Selling points

  • Access to free legal and business guides via our business support website
  • Automatic debt recovery provided as part of our Commercial Legal Protection cover.

For more information about Target Market statements please visitservices.


Key documents

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All current documents

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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

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
  • Group Personal Accident, Sickness & Business Travel: Protection for the business or its employees against a number of unplanned incidents
  • Commercial Crime: Comprehensive protection against loss of money, stock, equipment or machinery following theft or fraud by employees
  • Cargo: Cover for import or export of supplies and products within the UK and overseas
  • Minifleet: For businesses with three to 12 vehicles
  • Fleetwise: For larger business fleets of 13 or more vehicles.

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