Packaged Offices and Surgeries

An all risks policy designed to suit most professional office and surgery risks

Our Packaged Offices and Surgeries insurance product is a comprehensive policy designed for administrative small businesses working from dedicated premises or from home.

The core policy provides cover for:

  • Contents
  • Money and Personal Assault
  • Business Interruption
  • Equipment Breakdown
  • Public, Products and Employers Liability

The following optional covers are also available:

  • Buildings
  • Terrorism
  • Legal Expenses

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.

Business Interruption - Gross Revenue
£250,000 (up to 24 months)
Business Interruption - ICOW
£50,000 (up to 24 months)
Equipment Breakdown
£5,000 during business hours
Employers Liability
Public and Products Liability
Buildings (optional)


  • Max sum insured per location up to £750,000 for contents
  • Standard limit of indemnity under PL is £5,000,000
  • Business Interruption - Gross Revenue £250,000 up to 24 months or ICOW £50,000 up to 24 months
  • Equipment Breakdown up to £5,000,000
  • Optional Buildings cover up to £1,000,000
  • Maximum 10 locations
  • Stock or trade samples up to £10,000
  • Deterioration of refrigerated stock (inc drugs & medicines) £10,000