Office & Surgery Insurance

Build your business with insurance that works hard for you

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Why insurance matters for office & surgery risks

For Office and Surgery risks in the Channel Islands, Islands can ensure you have the appropriate insurance for your business needs. From business sectors such as solicitors, accountancy, trust and fund administrators, to doctors, dental surgeries and veterinary practices, we ensure our policies meet  your requirements as we recognise no one business is the same.

Not only will an insurance policy tailored for your business protect you in the unfortunate event that something goes wrong, it will ensure you are able to continue trading as quickly as possible should there be a serious incident. This goes hand-in-hand with keeping your professional reputation and trust with your customers, peers and professional bodies. 

Our policy for offices and surgeries can offer a great level of protection with benefits that can include legal liabilities to third parties and automatic legal protection that includes employment or contract disputes. At Islands, our professional team is here to help give you the protection you need, so give us a call today and get coverage for your unique business needs.

Covers & benefits provided

Our office and surgery policy is extensive and is designed with Channel Islanders in mind.

Buildings & Tenants Improvements

Whether you own or rent the building you need to consider insurance not just for the bricks and mortar of the property but also any internal improvements you have made, such as new waiting areas, internal offices, and consultancy rooms. Any external outbuilding, driveways, walls and car parks also need to be taken into consideration when insuring the premises for their full rebuilding costs (including professional fees and the cost of site clearance).

Contents & Business Equipment

It’s important to cover all of your contents, electronic equipment, computers and documents. You also need to consider more than just your business property and computers in the office, remember to include portable equipment and doctors bags taken away from the premises. Computer breakdown and reinstatement of data cover is worth considering in the event of a loss.

Business Interruption

Regardless of how efficient your business continuity plan (BCP) is, if you’re not able to use or access your office or surgery your income will be negatively impacted . Whether the need is to replace equipment, or hire new premises, ensure these costs are covered to maintain minimal effects on the operation of the business. We can cover the additional working expenses and loss of profit from an insured event such as fire, flood or storm damage.

Employers Liability

If you employ staff, then not only is this a legal requirement but you have the responsibility to ensure your staff are adequately covered for their daily roles within the business. This can include injury, illness, or legal action against your business. All our policies provide £10,000,000 of Employers Liability cover as standard.

Public Liability

Cover in respect of third party injury and property damage on your premises, or away. This is included as standard (at variable limits from £2,000,000 to £10,000,000) within all our policies.

Legal Expenses

An added protection to your business to cover legal expenses such as property damage, legal defence & contract disputes to name a few. Options available with all our office & surgery policies.


For surgeries, cover needs to take into account not just your general stock of medicines but also seasonal increases of vaccines throughout the year.

Standard Coverage

Your policy will generally cover you for a number of insured events, such as:

  • Fire
  • Lightning
  • Explosion
  • Earthquake
  • Flood
  • Storm
  • Malicious Damage
  • Theft
  • Accidental Damage

Existing Customers

Renewing your policy

We will contact you prior to your renewal date with all the details of your policy cover for the coming year.

Payment options

Payment can be made by monthly direct debit or an upfront annual payment.

Making changes to your policy

Click here to make a change or request.


You can cancel your policy at any time by contacting us.

Why choose Islands?

Our locally-based team is dedicated to providing specialist, personal service, to give you peace of mind with insurance cover for the things that matter.

Established and Experienced

An experienced market-leading team, delivering specialist advice and expertise for over 40 years.

Communication that works for you

Pop into our office, speak to us on the phone, send an email, or browse through our website.

Flexible policies, offering quality protection

We have bespoke Channel Island products designed and rated with this in mind that can be individually tailored for your needs.

Investing in our community

We are proud to support the local community through several sponsorships and partnerships, helping to protect our rich heritage and take care of our beautiful islands.

In-House Claims Team

Friendly, experienced in house claims team giving guidance and help when it matters most.

Multi-policy discount

Available if you have more than one policy with us.

Request a callback

warning Due to recent events, we are currently experiencing a very high volume of calls in the claims department. For more information, please visit our Storm Support Hub.
Please select your location

To provide you with a tailored travel policy, please select your island below to be taken to the appropriate quote form.

Guernsey / Alderney