surgery insurance

Standard cover

Please refer to the policy document for terms and conditions.

For examples of exclusions and limitations please click here

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 £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.