Office and Surgery Insurance that protects your premises and your people
Running a professional practice means more than keeping the lights on. You look after clients and run appointments. You rely on equipment and systems and hold sensitive information. If you have a break-in, a data problem, an accident or damage to your premises, it can quickly disrupt your work.
We help you find insurance that fits the way your office or surgery runs. You might own your building or rent your rooms. In both cases, we help you protect what you are responsible for. This includes your premises and any improvements you have paid for. It also includes your contents, stock and cash.
Who this suits
Office & Surgery Insurance is ideal for:
Architects, surveyors and design studios
Medical and health clinics, such as general practitioners (GPs), dentists, physiotherapists and therapists
Veterinary practices
Estate agents, consultants and other service firms
Small offices, shared workspaces and managed practices
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Your business may rely on an office, clinic or other workspace. This cover helps protect that space.
What your policy can include
Every practice is different, so we work with several insurers to shape cover around your premises, your employees, the services you provide, and the way your practice operates. Exact features vary by insurer, and we’ll explain how cover applies and highlight any key conditions.
Core protection
Your office or surgery policy can include:
Damage to your premises
Cover for insured events such as fire, storm or flood.
Cover for insured events such as fire, storm or flood.
Contents
Cover for items you rely on day to day within your premises.
Cover for items you rely on day to day within your premises.
Specialist equipment
Cover for medical, technical or professional equipment used in your practice.
Cover for medical, technical or professional equipment used in your practice.
Stock and consumables
Cover for medical supplies or retail items kept on site.
Cover for medical supplies or retail items kept on site.
Tenants’ improvements
Cover for improvements you have added to a rented space, such as fitted desks, partitions or lighting.
Cover for improvements you have added to a rented space, such as fitted desks, partitions or lighting.
Computers and electronic equipment
Cover for damage to computers, office IT systems and other electronic devices.
Cover for damage to computers, office IT systems and other electronic devices.
Public liability
Cover for accidental injury to a client or visitor at your premises, or accidental damage to their property.
Cover for accidental injury to a client or visitor at your premises, or accidental damage to their property.
Employers’ liability
Cover for injury to an employee, apprentice or other staff member while working for you. This is usually a legal requirement if you employ people.
Cover for injury to an employee, apprentice or other staff member while working for you. This is usually a legal requirement if you employ people.
Business interruption
Cover for lost income and extra running costs if insured damage prevents you from using your premises as normal.
Cover for lost income and extra running costs if insured damage prevents you from using your premises as normal.
Money cover
Cover for cash and takings at your premises or while in transit to the bank.
Cover for cash and takings at your premises or while in transit to the bank.
Optional extras
We advise you on what cover your business may need. . Options can include:
Cover for high-risk stock such as electronics, samples or medical supplies
Refrigerated contents or medicines
Shop-front cover for glass, signage and external fittings
“All risks” cover for named items used away from the premises, such as laptops, cameras or medical instruments
Treatment liability cover for injury or illness to a client caused by your medical treatment or advice.
Legal expenses cover
Protection against theft by employees (where available)
Personal accident cover for people in the business, which can be extended to employees
For some higher-value or specialist practices, insurers may need additional information before confirming cover. We manage this process for you and keep you informed.
Office & surgery–specific points
You do not need to know the technical terms. Tell us how your practice operates and what you want to protect, and we guide you through the options.
We help you understand areas insurers often focus on, such as:
- How equipment is stored, maintained and used
- Whether laptops or specialist equipment are used away from the premises
- What would fall under tenants’ improvements when you rent your space
- Whether separate professional indemnity cover is needed for the services you provide
- How business interruption cover can help if you cannot use your premises after an insured event
- How cash and takings are stored on site
Professional environments often involve:
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Sensitive client or patient information
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Specialist medical or technical equipment
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Staff and clinicians working directly with the public
How we help
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Step 1 of 4
You tell us about your practice You share information about:
- Your premises
- Your equipment
- Your stock
- Your staff
- The services you provide
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Step 2 of 4
We compare insurers We find options that fit:
- Your business
- Your property
- Your professional services
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Step 3 of 4
You review your options We explain:
- What each quote covers
- The limits and conditions
- Any important details and endorsements applied
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Step 4 of 4
We arrange your policy Once you are happy, we:
- Set up your cover
- Send your documents
We are here at renewal to review your cover. If you need to make a claim, we support you through the process. Every policy has terms, conditions and exclusions, and we will explain these clearly.
Why use a broker for Office & Surgery Insurance?
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We work for you, not for the insurers.
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We are local and understand island businesses and professional risks.
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We explain things clearly, with no jargon and no pressure.
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We can advise on your insurance needs for tenants’ improvements, stock, equipment, data and professional duties.
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We give real support when something goes wrong.