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.
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.
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.
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 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.