Office and Surgery Insurance
If you’re looking to protect your office and staff from unforeseen incidents, then look no further than our comprehensive office insurance package. Combining all of the the required elements of cover under one simple policy you can choose to include the building, contents, computers, electronic equipment, money, laptops and mobile phones as well as your liability insurance including public and employers liability.
The policy is very competitively priced and can also be extended to include business interruption and increased cost of working cover so that you can continue to operate in the event of a claim.
Enabling you to continue to care for your patients in the event of an insurance catastrophe is at the core of our surgery insurance products.
Whether you are a doctor, dentist, clinic, chiropractor or any other health practice and professional, our surgery policy can be tailored to your exact requirements. Rated as a package policy the premiums are very affordable and yet the policy is packed with cover benefits including your equipment, contents, computers, business interruption, public and employers liability.
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If you rent your premises, then check with your landlords as to what may already be covered, for example, his commercial buildings insurance may already cover the fixtures and fittings in your office (i.e. the non-moveable items). Remember that in most cases, you can tailor the policy to suit your own individual needs, so it is important that you make sure that you have everything you needed covered.
Office insurance can includes a number of elements of cover, from the commercial premises, to the contents and staff. Whatever your office set up, instance may typically be needed to protect your operation against hazards such as fire, water damage and theft etc.
You are required to have employers’ liability if your business has employees. The requirement applies irrespective of whether your staff are full or part time. The insurance covers your legal liability to employees if they are injured at work or become ill as a result of the work they do for you. The policy will cover your legal defence costs and will pay compensation to the employee if you have been negligent.
To provide theft cover, your insurance company will require a minimum level of security on your premises, this will include;
– Five lever mortise deadlocks complying with British Standard 3621 on all final exit doors.
– Key operatd window locks to be fitted on all ground floor and accessible opening windows.