As we have mentioned before, UK commercial insurance companies like to categorise and segment different types of industries and businesses.
This makes things a lot easier when looking around for a quote or cover. But, as with everything there are always a few anomalies.
One of these relates to office insurance. Every town, city and village will have some sort of office, whether a separate commercial one or home based. As there are so many, insurers have sensibly put together a package that includes most of the common covers that would be required.
Now, the anomaly is that the vast majority of insurers that have one of these packages use them to cover doctors, dentists and vets. It may seem strange but to an insurer the risks presented are very much the same. You need to look out for the additional covers provided (say cover for visiting bags and equipment away from the risk address). Otherwise, to all intents and purposes the covers are very much the same.
Just make sure that whenever you get your policy it specifically states the type of business or trade that you are involved in. The rating will of course be slightly different. For example there is more likelihood of veterinary staff being injured than say, a dentist. For this reason the insurers will need to categorise your trade correctly.
As always, discussing your requirements with a broker is the way forward. They understand the options available and are legally obliged to provide you with a professional recommendation, in the form of a full written quotation with terms, conditions and excess laid out clearly.