Office & Surgery
Our Office & Surgery policy is designed for businesses operating from offices or surgeries with no element of manual work.
Key Selling Points
- Introductory no claim discount available at new business
- No claim discount available at renewal
- Minimum premiums from £200
- Legal Expenses included as standard
- Standard excess of £200 for Contents and Buildings with an option to vary
Features
- Business Interruption included as standard
- Engineering breakdown covers essential items such as office equipment including telephone services, fax machines, copiers and printers
- Free 24 hour advice lines for health and medical assistance, emergency assistance, glazing, legal advice and stress counselling
- Up to £15,000 cover for frozen or chilled foods and up to £5,000 for any other perishable goods
- Access to a dedicated risk management service
- Option to add accidental damage to Buildings and Contents
Preferred Risk
- Solicitors
- Accountants
- Lawyers
- Chartered Surveyors
- Management Consultants
- Doctors Surgeries
- Dentists
- Architects
- Bookkeepers
Standard Covers
| Cover | Maximum Limit |
|---|---|
| Contents | £5,000,000* |
| Public/Products Liability | £5,000,000 (£2,000,000) |
| Employers Liability | £10,000,000 |
| Business Interruption | £2,000,000 (£500,000) |
| Glass | Unlimited |
| Goods In Transit | £10,000 (£5,000) |
| Fixed Signs | £1,000 |
| Money | £12,000 (£5,000) |
| Personal Accident (Assault) | Capital Benefits £10,000 |
| Legal Expenses - Employment Disputes and Compensation Awards, Legal Defence, Property Protection and Bodily Injury and Tax protection | £100,000 |
Optional Covers
| Cover | Maximum Limit (up to) |
|---|---|
| Buildings | £5,000,000* |
| All Risks on Machinery and/or Apparatus | £10,000* |
| Personal Accident | Capital Benefits £50,000 |
| Legal Expenses - Statutory Licence Protection, Contract Disputes and Debt Recovery |
£100,000 |
* higher limits available on request
The amount in brackets denotes the standard limit provided.
This is a summary of the cover available. Please refer to the Policy Booklet for full terms and conditions.
