Cover for client's offices and surgeries
Our dedicated Office and surgery product is suitable for small businesses with surgery and clerical trades, and provides cover to protect businesses against property damage, loss of revenue, and legal claims.
We've created a package product that includes all the core covers suitable for most office and surgery businesses. With a streamlined question set and simplified documentation, they’ll get the coverage they need without any hassle.
Offices that support manufacturing businesses or other manual trades should continue to use the Commercial combined or Contractors combined products instead.
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Appetite
Our appetite is broad within these trades with some of the key characteristics being:
- Premises must be self-contained and of standard construction.
- The maximum sum insured for any one premise is £10 million (Property & Business Interruption). We are happy to cover multiple premises.
- Policyholders must be based in the UK, Channel Islands or Isle of Man.
- Properties must be located in the UK, Channel Islands or Isle of Man.
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Highlights
Our Office and surgery cover goes beyond basic coverage. Here are some of the benefits your customers get:
Core cover
- Our property covers are average free.
- Material damage on an 'all risks' basis including subsidence.
- If refrigerated contents cover has been selected, we will provide cover for deterioration of refrigerated contents (including vaccines) for up to £2,500 per fridge/freezer and up to £20,000 in total.
- Increased cost of working cover £50,000 with a 24-month indemnity period, with an option to increase this limit or opt for a full Loss of Revenue/Income cover.
- Money – £7,500 during business hours with an option up to increase to £15,000.
- Public and products liability - £2 million limit as standard with options to increase to £5 million or £10 million.
- Data Protection Act extension with a £1 million limit.
- Employers' liability - £10 million limit.
Optional covers
- Specified items 'all risks' - Available up to £40,000 with option to select EU or worldwide cover.
- Computer breakdown - up to £250,000 limit.
- Legal expenses – £100,000 or £250,000 limit available (provided by DAS).
- Personal accident - up to £100,000 capital benefit.
- Terrorism (provided by Pool Re).
- Employee dishonesty - up to £25,000 limit.
- Goods in transit - up to £25,000 limit.
Value add services
- Zurich Risk Advisor.
- Zurich's Risk Management Advice Line.
- Legal Assistance helpline.
- Online law guide and document drafting.
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Documents
