Which elements of office and surgery insurance are important to
When buying an office and surgery insurance policy, you should
consider the following elements which could make up the policy.
Public liability insurance
Public liability could prove invaluable if you have frequent
visitors to your premises. This covers an incident such as one of
your guests tripping and hurting themselves whilst onsite and
several providers offer up to £10 million worth of cover.
If you have taken on members of staff who aren’t direct family
members and your business is a limited company, legally you have to
have this in place.
You could be fined up to £1,000 a day if you don’t!
If something were to happen to your office or surgery, such as a
fire or flooding, or if your computer systems were to break
down, how long could you survive without it being up and
What impact would a theft at your office or surgery have on your
day-to-day operations? Make sure you think through the value of
your business contents and let us know to make sure it is
If you keep cash on the premises, then this needs to be covered
For surgeries, if you keep drugs on the premises, these can be a
target and can be expensive to replace.
Jane manages a call centre for Glazed Over Glass, a company that
sells double glazed windows. The whole business is practically
paperless and is heavily reliant on its computer system for its
call centre, which manages a high volume of outbound sales leads.
With winter on its way, the call centre is also about to hit its
most lucrative time of the year.
One weekend, a sustained period of heavy rain proves too much
for the office block’s roof and doors to withhold and the office
When everyone returns to work on Monday morning, the carpets are
soaked and it’s not clear if water has got into the electrics or
not. The managers decide to call in an electrician and have to send
everyone else home while the wiring is checked and the flood damage
is cleared up.
Although the call centre staff are mostly delighted at getting
the day off, the business is unable to continue making outbound
sales calls for the rest of the day and might not be brought back
online for the rest of the week. As a result, the company’s sales
figures suffer significantly.
If Jane had included cover for business interruption into her
office insurance policy, she could have mitigated the financial
loss suffered from the flooding.
It doesn’t take much to make an impact on your day-to-day
business operations and many things are completely beyond your
control. An adequate office policy can be highly effective in
smoothing over any unforeseen circumstances that can knock you
offline for a period of time.
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
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.
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.
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.