Office, Shop and Surgery Insurance

Our essential cover protects trade contents including stock and liabilities for small to medium enterprises involved in the full spectrum of business including offices, food retailers, clothing retailers, charity shops and surgeries.

We have many bespoke packages available to cater for individual circumstances and can turnaround this type of cover quickly.

Features of cover:

Business Interruption (increased costs of working) available
Electronic equipment, frozen stock, seasonal fluctuation cover optional
Cover outside of premises for electronic portable equipment optional
Goods in transit optional
Personal loss assessor cover available
Stock of drugs for surgeries included
We also offer a number of complementary products to help you manage costs and optimise your business portfolio including:

Request a quote our get in touch to discuss your cover

A member of our team will be in touch with you to discuss your insurance needs and talk you through your options.

Frequently asked questions

If you can’t find the answer you’re looking for please get in touch, we would be happy to help with your enquiry.

Will the shop front glass be covered for breakage?
Yes if you need it. Most commercial tenants have to cover their glass rather than their landlord.
Do I need specific security to prevent break ins?
Most insurers need at least basis security such as a five level mortice deadlock and window locks on the ground floor. Some trades and areas need alarm systems.
Can I cover employees when the business grows?
Yes no problem. The employer’s liability section will take care of that. Depending on the policy it may cost more depending on the wage roll.
I rent my surgery but spent a lot converting it. How wiI I cover this?
The contents will be covered and any fixtures including decorations and permanent additions will be included under ‘tenants improvements.’
CASE STUDY

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