SURGERY INSURANCE

Whether your're a clinic, dental surgery or physiotherapist, our surgery insurance policy can cover your buildings, contents and liabilities

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  • Surgeries save an average of £656 when they switch to us*.
  • £2m public liability cover as standard.
  • Policies underwritten by Allianz Insurance plc, one of the UK's largest insurers.
  • Get a quote online or call now for a great deal on surgery insurance.

To celebrate our 10th birthday we're giving away £10,000 in shopping vouchers. Simply get a surgery insurance quote today for a chance to win…

As the first direct business insurance provider, Premierline Direct helped transform the way surgery insurance was boughtPLD_col

  • By making it possible for you to buy direct, we set new standards for speed, service and value. Today we continue to pride ourselves on being a responsive, reliable team who really understands small businesses. We know that running a busy physiotherapy practice, a dental or doctors' surgery is hard work, and organising the correct insurance can be complicated and time-consuming. So, at Premierline Direct, our mission is to make arranging your surgery insurance as quick and simple as possible.  Our aim is to give you peace of mind knowing that you have the right cover for your business needs at a great price. And what's more, when you get a quote from us you will be automatically entered into our £10,000 birthday giveaway, where you could win between £25 and £1,000 in shopping vouchers.

Our policies are designed to meet the needs of surgeries and clinics.  But we know that no two surgeries are the same and we believe you should only pay for the cover your practice needs

  • Our surgery insurance policy is designed to cover the assets, loss of earnings and legal liabilities of your business. The standard policy provides a range of covers from employer's and public liability to damage to contents and loss of earnings. However, we know that every surgery has different insurance needs, so we also give you the choice of including a number of optional extras, such as cover for your buildings or for computer breakdown and specified items used away from the business premises. We even provide a legal helpline that's available 24/7as standard.

Save money on your surgery insurance

  • As the first business insurance provider to deal directly with our customers, we have been able to offer our customers some fantastic savings.  In fact our customers save an average of 25% when they switch to Premierline Direct.

Our surgery and dental practice insurance policies are primarily underwritten by Allianz Insurance plc, one of the UK's largest insurers

  • Over 30,000 businesses have chosen Premierline Direct for their business insurance. And the number is growing fast. Whatever your surgery or dentist insurance needs - from small country practices to big surgeries - Premierline Direct can help. And, remember, our policies are primarily underwritten by Allianz Insurance plc, giving you peace of mind, knowing you're insured by one of the UK's largest insurers. 

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We give our customers far more than just surgery insurance

Because great service counts, you'll find Premierline Direct easy to deal with whether you choose online, over the phone or an on-site visit from one of our specialist business insurance consultants, whatever suits you best

  • Like all good businesses, we understand the importance of listening to our customers. Our highly trained team of UK-based insurance experts understand your business insurance priorities and you'll find them helpful, efficient and ready to give you a surgery insurance quote.   If your needs are complex or your premium is over £2,000, we may also be able to visit your premises to talk them through with you. Click here to find our more about our nationwide specialist team of business insurance consultants.

And if you need to claim, we're right there for you 24/7, ready to get your practice up and running. Fast!

  • We know how devastating a surgery or dental practice insurance claim can be.  So, if things go wrong and you need to claim, we'll act fast to get you back in business with minimal fuss or delay.  Day or night, our 24/7 claims line will provide you with support when you most need it.  Our commitment is to settle claims fairly and efficiently. 

All our customers have access to an exclusive, risk-management website - giving you a whole range of tools to help plan and manage your business.

  • Our unique website, Risk Director, is an interactive, one-stop-shop for risk management and support, giving impartial guidance on risk assessment, training and updates on the latest legislation, which may affect you.  Also available through the website are discounts from preferred suppliers and access to our free health, safety and environmental helpline.

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Standard cover

Our surgery insurance policy covers the following as standard;

Business Contents - Our policy covers your computer equipment and surgery contents (including the costs involved with reproducing documents & computer records at up to £1,000 any one document/item). This will cover you against a range of perils including explosion, fire, storm damage, malicious damage and theft involving forcible and violent entry or exit from the premises.

Business Interruption - This helps you stay in business by covering loss of gross profit and reasonable expenditure incurred as a result of a loss covered under the policy. A gross income sum insured of £250,000 with an indemnity period of 12 months is automatically provided.

Loss of Accounts Receivable - Covers money up to a maximum of £25,000 that customers owe your business, but cannot be collected due to loss or damage caused by an insured peril to your books of account or business records.

Employer's Liability - Provides cover of up to £10,000,000 for sums you become legally liable to pay as damages together with your legal costs and expenses relating to an injury to an employee for which you are legally liable.

Public Liability - Provides cover of up to £2,000,000 for sums you become legally liable to pay as damages together with your legal costs and expenses relating to an accidental injury to any person or accidental loss or damage to their material property happening in the course of your business.

Standard policy benefits

Our surgery insurance cover automatically includes the following extensions as standard:

Extensions of cover Standard cover limit
Contents Extensions:
Breakage or scratching of fixed glass and sanitary fixtures and fittings. Upto the amount of your Contents sum insured
Damage to window frames following breakage of glass. £500 in any one policy period
Damage to glass lettering or other ornamental work and alarm foil. £500 any one loss
Damage to signs £1,000 in any one policy period
Loss or damage to your business goods while being carried in any vehicle(s) owned, hired or leased by you anywhere in or between the UK, Channel Islands, Isle of Man and Republic of Ireland. £2,000 any one event
Replacement of locks following theft of keys from the premises or authorised private residence. £500 in any one policy period
Loss or damage to prescription drugs, medicines and medical supplies £10,000 any one loss
Loss of money:
In transit or bank safe (Cash carrying warranty will apply) £3,000 any one loss
From the premises during business hours (Money left unattended and not contained in locked safe will be limited to £500) £3,000 any one loss
From the residence of any principal or authorised employee £500 any one loss
From vending machines £300 any one loss
Outside business hours:
From locked safe £1,500
Not contained in a locked safe £500
Non-negotiable money (e.g. crossed cheques, credit card counterfoils) £250,000 any one loss
Personal Accident - Assault resulting in bodily injury to you or an employee caused solely or directly as a result of robbery or any attempted robbery in the course of the business. Weekly benefit for disablement £100 per week for 104 weeks. £10,000 for death, loss of limb or sight.
Your legal liability to pay rent on a tenanted property should it become uninhabitable following damage by an insured peril. 25% of the total contents sum insured for up to 2 years.
Temporary removal of documents within the United Kingdom £1,000 any one loss
Loss of metered water directly resulting from loss or damage by an insured peril. £2,500 any one claim
Damage to landscaped gardens caused by emergency services attending your premises as a result of an insured peril £1,000 in any one policy period

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Optional extras

You can also select a range of optional extras to add on to your surgery insurance policy, for an additional premium:

Buildings - Covers the cost of rebuilding your business premises with the option to include subsidence damage.  

Theft by employees - Provides cover against a direct loss as a result of fraud and theft of any money/contents by an employee up to £5,000 in any one policy period.

All risks specified items - Provides cover any specified items used away from the business premises, throughout the whole of the UK and for up to 30 consecutive days elsewhere in the world.

Computer breakdown - Provides cover for loss or damage caused by computer breakdown or failure up to a value specified by you.
Cover also extends to include:

  • Loss or damage to computer records up to a limit of £5,000 in any one policy period.
  • Additional expenditure arising from the breakdown of computer equipment upto a limit of £10,000 in any one policy period.
  • Reinstatement of data upto £5,000 in any one policy period.

Subsidence - Cover against damage to your premises due to subsidence, ground heave or landslip.

Terrorism - Covers you against damage to your property from the effect of acts of terrorism upto the maximum sums insured of Section 1 - Contents and Section 4 - Buildings.

Commercial legal protection

Commercial Legal Protection is an optional cover designed to cover your legal expenses in certain circumstances as detailed in the Policy Document. This section is underwritten by DAS Legal Expenses Insurance Company Limited.

The following features and benefits apply to your commercial legal protection cover. This is in four parts and covers against:

  • Employment disputes and compensation awards
  • Legal defence
  • Property protection and bodily injury
  • Tax investigation and VAT disputes
  • Cover limit £100,000 any one claim; maximum limit of £1m in any one period of insurance for Employment Compensation Awards

Significant Exclusions or Limitations for Commercial Legal Protection:

  • Employment dispute where the cause of action arises within the first 90 days of the indemnity provided by this section of the policy.
  • Dispute with an employee who was subject to a written or oral warning (formal or informal) within 180 days immediately preceding the inception date of the indemnity provided by this section of the policy if the Date of Occurrence was within the first 180 days of the indemnity provided by this section of the policy.
  • Redundancy or alleged redundancy or unfair selection for redundancy arising within the first 180 days of the indemnity provided by this section of the policy.

This is a Summary only of Section 9 and does not contain the full terms and conditions of the contract. Full terms and conditions can be found in the Policy Document.

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Exclusions & limitations

These are some of the exclusions that apply to the policy. There are also further provisions such as those relating to alarms and the effect on a claim if the value of property insured is greater than the sum insured you have selected, as well as general conditions and exclusions. Details of these can be found in the policy document. Other additional terms and conditions may be applied in certain cases. Excesses apply to certain types of claim.

  • Office Security - Minimum standards of security apply. Our liability for loss or damage by theft or attempted theft (including loss of money) is excluded unless the security requirements are fully complied with - please see the leaflet headed 'Important Information' supplied with your quotation or policy pack for full details.
    The minimum level of security and any requirement for an alarm is indicated in the 'Clause or Endorsement' Section of the Schedule.
    See General Condition 6 of the Policy Document for full details and, if an alarm requirement is indicated in the Schedule, Special Clause 1.
  • Unoccupancy - We must be notified immediately if any Office becomes unoccupied and a suitable extra premium paid if required. See clause H of Section 1 for terms and conditions.
  • Goods in Transit - if a vehicle is left unattended it must be locked at all points of access and in addition it must be garaged in enclosed premises which are securely locked or have a watchman in constant attendance between the hours of 9pm and 6am. See Section 1 item E3 of the policy document for terms and conditions.
  • Damage to signs - Cover excludes neon signs. See Extension 2 of Section 1 for terms and conditions.
  • Transit Condition - It is a condition precedent to liability that whenever money in transit exceeds £2,500 at any one time:
    • the money must be accompanied by not less than two responsible adult persons
    • not more than £2,500 will be carried by any one person.
  • Money on Premises - Money left unattended and not contained in a locked safe will be limited £500. See Extension 5 of Section 1 for terms and conditions.
  • Personal Accident - Age limits of 16 to 70 apply. Compensation for death, loss of limb or sight only apply if they occur within two years of sustaining the bodily injury. See Extension 6 of Section 1 for terms and conditions.
  • Business Interruption - Loss of gross income to your business following the failure of the public supply of electricity, gas, water or telecommunications is limited to interruption caused by destruction or damage occurring at the premises of the supplier. See Section 2 Extension 5 of the policy document for terms and conditions.
  • Specified All Risks - Theft from vehicles: Loss or damage from an unattended motor vehicle is excluded unless such motor vehicle has been securely locked at all points of access. See Section 7 item A of the policy document for terms and conditions.
  • Computer Breakdown - Cover is subject to certain specific limitations and exclusions (see section 8 of the policy document for more details) as well as general limitations and exclusions. In particular, cover for any property insured caused by its own breakdown only applies if an approved maintenance contract is in force - See Section 8, Exclusion 1 a) of the Policy Document for terms and conditions.

In respect of Section 3b (Public Liability) the following will apply:

  • Asbestos Exclusion - Only Applicable to Public Liability

    We will not be liable for legal liability in respect of injury loss or damage directly or indirectly caused by arising from in consequence of or in any way involving asbestos

    Provided that this exclusion shall not apply to liability for injury or loss of or damage caused by any commodity article or thing containing asbestos where the presence of asbestos is not in itself a direct or indirect cause of such injury or loss or damage

  • Public Liability excludes injury to any person arising from or as a consequence of any breach of professional duty or any error or omission in any medical advice, examination, prescription or treatment given by you or your employees.
  • Public Liability excludes injury to any person arising from the making up, dispensing, sale, supply, prescription or exchange of any drugs, medicines, hypodermic needles or medical supplies or equipment of any kind.
  • Public Liability - Excludes injury, loss or damage arising from Products other than
    • office equipment and motor vehicles belonging to you (other than stock in trade) that has become surplus to your requirements
    • food or drink sold or supplied as a service to Employees or visitors
  • Public Liability - This cover excludes injury to Employees. See Section 3(b), Exclusion D a) for terms and conditions.
  • Work away from the office other than non manual duties, - collection or delivery work is excluded - See section 3(b) - Public Liability, Exclusion D g)

Specific endorsements may be applicable and these are detailed fully in your Schedule and Policy Document

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