Office and Surgery

Insurance

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Office insurance

0800 107 4885
Mon – Thurs: 08:30 – 20:00
Fri: 08:30 – 17:30
Sat: 09:00 – 13:00

Every office varies and we can source an office insurance policy that is tailored specifically to your business.


Office insurance policy features

As well as core features like public liability and employers’ liability, our office insurance policies can also cover:

  • Your business being interrupted
  • The contents of your business
  • Any building damage
  • Computer breakdown

How to buy office insurance from YOUR Insurance

Have the following things to hand:

  • Sums insured for your office contents
  • Number of employees and labour wage roll
  • Details of any existing security arrangements

Phone us on 0800 107 4885 and let us use our panel of insurers to tailor your very own policy.


Ask lots of questions about the levels of cover you need. We are happy help you understand the levels of cover you have in place for each eventuality and if you have unusual or specific requirements that you are struggling to get covered, we may also still be able to help you

Surgery insurance

As well as public liability and employers' liability cover, surgeries have specific needs that need extra consideration. This includes specialist equipment, drugs stored onsite and the threat of medical malpractice lawsuits.

How to buy surgery insurance from YOUR Insurance

Have the following information to hand:

  • Sums insured for your surgery's contents
  • Number of people you employ
  • Details of current security arrangements

Phone us on 0800 107 4885 and let our team of experts help you create your unique and tailored policy appropriate for your surgery.


Ask lots of questions about the levels of cover you need. We are happy help you understand the levels of cover you have in place for each eventuality and if you have unusual or specific requirements that you are struggling to get covered, we may also still be able to help you.

Benefits

Which elements of office and surgery insurance are important to your business?

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.

  • Employers' liability

    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!

  • Business interruption

    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 running?

  • Business contents

    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 covered.

  • Money

    If you keep cash on the premises, then this needs to be covered as well.

  • Drugs

    For surgeries, if you keep drugs on the premises, these can be a target and can be expensive to replace.


Case study

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 floods.

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.

Conclusion

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 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.

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.