Office and Surgery Package is specifically designed for UK based small and medium sized office-based businesses. It provides broad and flexible cover through a range of standard and optional sections and is suitable for most office trades.

From accountants to doctors' surgeries and architects to dental practices, our Office and Surgery product can offer cover for single or multi-location businesses. 

Office & Surgeries Package is an insurance policy specifically designed for UK based small and medium sized office businesses. It provides broad and flexible cover through a range of standard and optional sections. The policy is suitable for most office occupancies with a turnover of up to £10m.

Key Highlights

• Accidental Damage/All Risks cover provided as standard for premises exposures within Material Damage.
• Specified All Risks worldwide cover available for items such as portable computers, mobile phones, tools and trophies.
• Unlimited Damage to Glass cover for the premises.
• Equipment Breakdown cover included as standard.
• Directors’ and Officers’ cover included as standard for a wide range of entities.
• Money in transit and at the premises during business hours included up to £10,000.
• Keys and Locks repair or replacement included up to £10,000.
• Optional deterioration of refrigerated stock up to £10,000.
• Medical and vocational rehabilitation to help injured employees back to health and work.
• Virtual Medical Care for eligible customers.
• Locums are included under the policy for Surgeries.

Target Risk Profile:

• Maximum turnover up to £10m
• MD/BI combined limit up to £7.5m per location
• Employers’ Liability limits of cover £10 million 
• Public/Products Liability limits of cover up to £5m (for most trades)

Standard Covers:

• Material Damage
• Business Interruption
• Employers’ Liability
• Public and Products Liability
• Money and Personal Accident (Assault)

Optional Covers:

1. Specified All Risks
2. Group Personal Accident (Employment Related Accident Benefit)

Surgeries Specific Optional Covers:

• Visiting Bags                               
• Non-Refrigerated Drugs
• Refrigerated Drugs

Avoided Risks

A sample of avoid industries include:

• Building Society
• Driving School
• Internet Service Provider
• Taxi Operator

Please contact our broker team to discuss this product.     

Call: 0203 488 7193

Email: broker@capitalindemnity.co.uk.

In order to get an insurance quote, please email your presentation to quote@capitalindemnity.co.uk.