Office & Surgery Insurance FAQ

Office and surgery insurance is a specialist business insurance package that protects the premises, staff, equipment, and liability risks of professional service providers who operate from an office or clinic.

It covers both general business exposures (like fire or theft) and sector-specific risks, such as public claims, legal disputes, or expensive tech damage.

Office & surgery insurance is suitable for any professional or clinical business operating from a fixed premises, including:

• GP surgeries and medical clinics
• Dental practices
• Physiotherapy or osteopathy clinics
• Beauty clinics and aesthetics practices
• Accountants and solicitors
• Estate and letting agents
• Financial advisers and consultants
• Marketing, tech and media agencies
• Architects and engineers

Whether you work in healthcare or professional services, you need protection against day-to-day risks and potential legal claims.

We tailor each policy, but typical cover includes:

• Public Liability Insurance – For injury or property damage suffered by visitors, patients, or clients
• Employers’ Liability Insurance – Required by law if you employ staff
• Contents & Equipment Insurance – Covers office furniture, medical or cosmetic equipment, computers, and tech
• Medical Malpractice / Treatment Risk – For surgeries and clinics providing treatments or care (optional add-on)
• Business Interruption Insurance – Protects income if you can’t operate due to fire, flood or another insured event
• Legal Expenses Insurance – Covers HR disputes, contract claims or regulatory issues
• Cyber Insurance – Protects sensitive client data and digital systems (highly recommended for healthcare and financial firms)

Only Employers’ Liability Insurance is legally mandatory if you employ staff. However, many professional bodies and property landlords require proof of cover (especially for public liability and treatment risk) as a condition of tenancy or registration.

Some of the most common claims and risks include:

• A client or patient slipping on the premises
• Equipment being damaged by fire, flood or theft
• Claims of negligence or treatment gone wrong (clinics/surgeries)
• Cyber attacks or loss of confidential records
• Loss of income after an unexpected closure
• Disputes with staff or former employees

Yes, we can tailor cover whether you’re in a serviced office, co-working space, medical centre, or own your own premises. We’ll help you understand what’s covered under the landlord’s building insurance — and what you need to protect yourself.

Yes — we often combine office cover with Professional Indemnity Insurance (PII) for solicitors, accountants, consultants, architects and other regulated professionals. One policy, one renewal, no confusion.

Prices vary based on:

• The type of services you offer
• Number of employees
• Value of equipment
• Level of liability or indemnity cover required
• Past claims history

Simple office policies can start from £250/year, with more comprehensive cover (e.g., for private surgeries or dental practices) priced based on risk profile.

Yes. We offer monthly instalment plans to spread the cost, subject to approval. Ideal for start-ups, consultants, and growing clinics.