Offices & Surgeries

Please note this policy is only available for renewal business

If your policy schedule says 'Packaged Offices and Surgeries', please click here for the policy wording  

Designed to suit most professional offices and surgeries, our Offices & Surgeries product can be tailored precisely to your clients’ needs including; accidental damage for contents, glass, money, personal accident, assault, employers’ & public liability and business interruption.

Optional cover is available for buildings and computer breakdown.

Full details of the benefits, exclusions and limitations of the cover can be downloaded from the product literature area below.

To view the Target Market Statements and Product approval Process, please click here 

Product literature

The latest version of the product literature is available to download above. If you need a version prior to those shown or need any other information about our products please contact your broker.


  • Multiple properties can be added online or larger portfolios can be submitted manually
  • Portable Business equipment given as standard at £1,500 per any one incident within the UK and Territorial Limits
  • Theft damage to premises
  • Outstanding debit balances automatically included up to £25,000
  • Stock and drugs cover up to £1,000
  • Exhibition cover up to £2,000


  • Competitive premiums
  • Minimum premium £175 + IPT for Offices and £300 + IPT for Surgeries
  • Extensive list of acceptable trades
  • Option to pay by instalments (via direct debit)
  • Dedicated commercial claims helpline 0330 024 2266 operated 24 hours a day, 365 days a year, by staff trained in managing commercial claims
  • Free 24 hour business legal helpline