Office and Surgery for SMEs

Our Office and Surgery product provides a simple package of core covers that are designed for most small businesses with surgery and clerical trades. Our package provides cover against property damage, loss of revenue, and legal claims.

Cover highlights

• Property covers are average-free
• Material damage cover is on an “all-risks” basis, including subsidence
• £50,000 increased cost of working cover with a 24-month indemnity period, and option to increase this limit or choose a full loss of revenue / income cover, and vary the indemnity period
• Money cover (£7,500 during business hours with an option to increase to £15,000)
• £2 million public and products liability limit as standard, with option to increase to £5 million or £10 million
• Data Protection Act extension with a £1 million limit
• £10 million employers' liability limit

We also offer a range of optional covers, including specified items all-risks, computer breakdown, legal expenses, terrorism and more.

What types of business do we cover?

Our product is suitable for a wide variety of clerical and surgery trades, and we are happy to cover multiple premises.

Premises must be self-contained and of standard construction, and the maximum sum insured for any single premises is £10 million (property and business interruption).