What is Office & Surgery Insurance and why do you need
it?
If you run an office for your business, there are risks from
which you need to protect yourself, your employees and your office
equipment and premises. Those risks can seem invisible until the
very moment that something goes wrong, but without
insurance the costs of accidents or mistakes can be
unbearable.
Office & Surgery insurance can ensure that should something
go wrong on your premises, you, your employees and your
business can be covered from the unpredictable costs than
can arise.
We pride ourselves on working with businesses with
unique requirements. Whatever your type of business or the
risks involved, it’s likely that YOUR Insurance can help you find
the right policy for your needs.
To find out about what we cover with our policies, read more on
our Benefits page.
How to buy Office & Surgery Insurance from YOUR
Insurance
We want to give you the customer service you’ve been
looking for. We’ve created 3 straightforward
steps to help you choose your Office &
Surgery Insurance policy, and we’re available with advice at
every stage:
- Ask questions: we’re here to help in the way
that you choose. In addition to the information on this site, you
can request a callback for advice from our customer services team
at a time that suits you.
- Get your quote: use the web form, send us an
email, phone us, or get us to call you back with quotes for the
best policy for you and your business.
- Buy your insurance: by telephone, talking to
our UK-based team of fully-qualified insurance specialists.
Why choose us?
Insurance shouldn’t interrupt the way you work, but you need to
know it’s always there, so we make YOUR Insurance work with
You. With YOUR Insurance, you can:
Spread your payments: to help you manage your
cash flow you can choose to pay your insurance premium in monthly
instalments.
Save time and money: we will email all of your
policy documents to you so you’ll have them straight away. And if
you have any queries there’s no cost to call us: all of our
telephone numbers are free.
Know that you have financial security: by
taking out our office insurance policy
you’ll know you have the support of Europe's largest independent
insurance intermediary, Towergate Underwriting
Group Ltd.
Key features of our policies
All of our Office & Surgery Insurance policies can provide
cover for:
Buildings
Our policies can protect you in case of damage to your business
premises, including walls and gates, outbuildings and landlord’s
fixtures and fittings caused by flood or storm, fire or explosion,
malicious damage and impact.
Business contents
We can provide cover to protect business equipment belonging to you
or for which you are responsible. This can include factors such as
deterioration of refrigerated drugs and vaccines at a dental
practice or doctor’s surgery.
Legal liabilities
Our policies provide cover for legal liability (such as Employer’s
Liability or Public Liability) in respect of injury or damage
caused to people (including your employees, clients or patients) or
property not owned by your business.
Business interruption (loss of income)
We can provide cover to pay for your reduction in income and
increased running costs if you suffer interruption to your business
following a loss listed in the building or contents section of your
policy.
Computer breakdown
Our policies can insure against the breakdown of computer
equipment, including loss of data.
Money
Our packages can protect you from loss of business money from
within the building, in a safe, while in transit or at your own
premises, with a variety of agreed limits.
Optional features
Terrorism
Cover against damage caused by acts of terrorism is excluded from
standard policies but you can choose to add it to your policy for
an extra charge.
Things to look out for
To make sure that you get the most from your insurance, you need
to bear these things in mind when choosing your policy and running
your business:
Average clause
This is applied by insurers in the event of a loss where the
insured items have not been insured for the full value.
Minimum security standards
All policies have a minimum security standard. Criteria include
protecting all ground floor or accessible windows with window locks
and ensuring that the final entry/exit door is of solid
construction and protected by a 5 lever mortice deadlock.
Theft by violent or forcible entry
When a loss occurs due to theft it is usually a condition of the
policy that entry was gained to the premises through violent or
forcible entry. For example if a burglar gained access by breaking
a window you would be covered, whereas if they simply walked
through an open door you would not.
Stock
If your business requires that you hold a large amount stock on
your premises, an Office & Surgery package may not be suitable
for your insurance needs. Generally these policies only offer a
small amount of cover for stock.
Shared premises
Whether you occupy a whole building or just one section of a
particular floor, your business must be the only company operating
from a self-contained office. Businesses which share a contained
office with another company might not be acceptable to the insurers
for an Office & Surgery package.
