Surgeries, Veterinary, Clinic And Dentist Insurance Quotes 

Are you looking for Surgery insurance?  
Trying to find an insurance policy that covers your business and interests correctly can be a daunting task. We provide insurance from a wide range of industry specialists and tailor them to your specific requirements. Automated quotes will make many assumptions in the small print, we prefer the personal service and will contact you to make sure our quotes are specifically tailored to give you the cover you need ensuring you are not overpaying or paying for insurance which does not give you cover. 
 
We can help you find a policy with the covers you require. Our dedicated and qualified staff take the time to get to know you and your business to try and find the best cover from the most reputable insurers and in most cases can offer a site visit to take your information and in addition to this we can offer health and safety advice and risk management information. We remain your sole contact throughout the term of your contract and we are actively involved in dealing with and resolving complaints before they lead to claims against you as well as always being on hand to assist with any mid term adjustments and changes you may need to make as and when they occur. 
 
Town & Country are a national brokerage remaining local in our working practices. Our aim is to understand our clients insurance requirements taking into account the needs of the sector and we take the time to listen to you and deliver the right cover at the right price. We are confident that you will be happy with the level of service as well as the cover and premiums that become available to you. 
 
For a free no obligation quote simply provide your contact details below or give us a call now on (01769) 572557 and talk to one of our specialist advisers. 

Insurance Quote Details 

We Provide Cover For . . . 

Doctors/General Practitioners 
Dentists 
Vets, Veterinarians 
Osteopaths 
Clinics 
Podiatrists 
Plastic Surgeries 
Paediatric Practices 
Otolaryngology 
Gynaecology 
Maxillofacial 
Orthopaedic 
Neurosurgeries 
Ophthalmology 
Podiatric Surgeries 
Urologists 
Chiropractors 
Osteopaths 
Chiropodists 
Chiropractors 
Alternative Therapists 

Surgeries, Veterinary Clinics And Dentist Insurance Information 

Surgery insurance is designed to make sure that no matter what happens you can ensure the smooth running of your business. It will cover for disruption of business, contents, employers liability, public liability, accidental damage, and anything else that is required to make sure that whatever happens it doesn't stop your business from functioning. 
 
Summary 
Our surgery insurance policy neatly bundles together the main insurance covers you are likely to need. Depending on your business needs, you can add in extra cover options to ensure you have the right surgery insurance cover. Our surgery insurance allows you to cover your premises, office contents and equipment. It also provides essential cover for public liability, employers liability and product liability. 
 
Public Liability /Product Liability - £2 million with the option to extend to £5 million or more. 
Employers liability - £10 million covering full or part time employees 
Surgery Contents (e.g. prescription drugs, medical supplies & surgery equipment). 
Loss of Money - Covers theft of business money & petty cash whilst on the premise, in transit or in your home. 
Business interruption - to protect your business income in the event that you are unable to operate your business following damage to buildings, contents or stock 
Equipment all risks - extends equipment cover to provide business property protection outside of the surgery 
Goods in transit - covers the carriage or shipment of your business goods. 
Optional Personal accident - provides financial compensation to directors and employees in the event of accidental death, loss of limb, loss of sight, permanent total or partial disablement 
Terrorism - An optional extension to cover to protect against unforeseen acts of terrorism 
Directors & Officers - provides personal liability protection for directors and officers of your business, this again is an extension or sometimes a separate policy. 
Legal expenses cover - Covers you for employment disputes, employment awards, health & safety prosecutions and tax enquiries and disputes 
Potential for Free business advice service to be included 
Legal advice line - access to legal consultants who can provide advice on tax & VAT, employment, health & safety and general legal issues. 
 
Employers Liability 
Employers are responsible for the health and safety of their employees while they are at work. Your employees may be injured at work or they, or your former employees, may become ill as a result of their work while in your employment. They might try to claim compensation from you if they believe you are responsible. The Employers’ Liability (Compulsory Insurance) Act 1969 ensures that you have at least a minimum level of insurance cover against any such claims. Employers Liability insurance carries NIL excess. 
Public Liability 
Similarly to employers liability this covers any injury or illness that any member of the public may incur due to partaking in your services or that is in some way your responsibility. Unlike Employers liability this is not required by law, although it is a very good idea for anyone in the medical industry to have public liability. Without public liability the company, or even its directors or owners can be held responsible for any loss or claim, potentially bankrupting not only the business but its owner or directors as well. 
 
Contents 
Contents insurance covers any possessions while in the property for loss or damage no matter how caused, with the exception of personal malicious damage. Possessions refers to anything that is not permanently fitted to the building, this means that your bathroom fittings are not covered, but any furniture is. 
 
Business Interruption 
If for any reason the general day to day workings of the office are interrupted which results in a loss of income you will be covered. Business interruption cover will pay equal to the average income that is lost by the interruption of business. Cover may be considered on a loss of gross revenue basis or a gross profit basis, sometimes as an alternative Increased Cost of Working only cover is taken. 
 
Town & Country works with many insurers, we have excellent working relationships with all our markets and can achieve rates and cover levels our colleagues in the industry find it difficult to replicate. 
We would welcome the opportunity to provide you with an insurance quotation when required, we are confident that you will be happy with the level of service as well as the cover and premiums that become available to you.