Offices, shops & surgeries package insurance is a comprehensive insurance policy designed to provide coverage for businesses that operate in office spaces, retail shops, and medical or dental surgeries. 

This type of insurance package combines various coverages into a single policy to protect the business against a range of risks and liabilities specific to their industry.

Offices, Surgeries, Shops & Salons Insurance typically includes the following types of cover;

• Property Insurance: This coverage protects the physical assets of the business, including the building (if owned), contents, equipment, and inventory, against damage or loss caused by events like fire, theft, vandalism, or natural disasters.

• Public Liability Insurance: This coverage is essential for businesses that interact with the public. It protects against claims of bodily injury or property damage caused to third parties while on the business premises or as a result of the business’s operations.

• Employers’ Liability Insurance: If the business has employees, this coverage is often legally required in many countries. It provides protection in case an employee suffers an injury or illness while working for the business.

• Business Interruption Insurance: If the business operations are disrupted due to a covered event, such as a fire or flood, this coverage can help replace lost income and cover ongoing expenses during the downtime.

• Contents and Stock Insurance: This coverage protects the business’s inventory, stock, and contents against theft, damage, or loss, ensuring the business can continue its operations smoothly.

• Legal Expenses Insurance: This coverage assists with legal costs associated with certain types of legal disputes, such as contract disputes or employment-related claims.

In addition to primary covers above, some packages can also include further covers such as Professional Indemnity, Money, Personal Accident, Goods In Transit & Terrorism.

The insurance world is smothered with ‘package’ type policies, all providing varying degrees of cover – It’s essential for business owners to assess their specific needs and risks to determine the appropriate coverage for their trade. 

We can assist in tailoring a package insurance policy that suits your requirements.

Not only will you have the peace of mind you are protected, we will spend the time assessing the market ensuring you have the right cover at the right price. 

Simply get in touch – Depending on the size and complexity of your business the information we require varies in every case.

Feel free to email or call and one of our commercial team will be on hand to assist.

Alternatively you can complete the contact form (with our contact information below). Here you can specify your requirements, a preferred time & contact type – we will receive this in the office and one our advisors will be in touch as requested.