Doctors surgeries insurance
Who it’s for
All types of doctors surgeries will have a requirement for a surgery insurance package. Ordinarily, the NHS will cover business computers as they are the legal owners.
However, additional covers such as buildings, contents and public & employers liability need to be taken out by the actual practice.
Why it’s important - examples
A doctors surgery insurance package policy will provide, through a package of covers under one policy, the common business insurance requirements.
Professional indemnity, more commonly called medical negligence insurance, is excluded.
How businessinsure can help
Through our network of commercial insurance companies, we do have a number of quality business insurance products available.
We can usually provide a confirmed written surgery insurance quote within 60 minutes. In addition, our main provider of these policies offers interest free instalments.
More information
Doctors surgery insurance quotes and policies are available for the following:-
Consultant Surgeons and Specialists
Doctors
Gynaecologists
and all other surgeries or medical practices requiring cover
The following is a summary of the insurance cover available on a UK insurers doctors surgery insurance package policy.
This is only one insurers specific wording, although most commercial insurance packages are similar.
If you obtain your quote from a business insurance broker they will always explain the policy cover in full.
Most insurers offer an office insurance policy for surgeries with specific policy extensions suitable for a surgery. Such as medical bags (whilst out of the premises)and cover for chilled medicines and vaccines. Please note that most surgery insurance package policies will differ in through the excesses and/or terms and/or conditions and/or warranties.
Any surgery insurance quote will be confirmed in writing within 30 days of your request as this is a legal requirement.
The package quote we provide will cover any, or all, of the following:-
Surgery Contents available on an “All Risks” basis – This is standard perils or risks such as fire, theft, flooding, malicious damage, storm and (importantly) accidental damage.
Full or wider theft cover is available. This is alternatively known as “walk in walk out theft”. Theft, without evidence of a break in (or break out) is a normal exclusion on all commercial insurance quotes.
Engineering breakdown insurance is also part of the package. This covers machinery and plant which, although not damaged, breaks down. You may need to have an annual maintenance contract in force for this cover to be effective.
Public Liability and Employers Liability
Employers’ Liability – limit of indemnity £10,000,000 any one occurrence
Public Liability – standard limit of indemnity is £2,000,000 (any one occurrence) – we can provide quotes for £5,000,000 and £10,000,000 if required.
Business Interruption – up to £250,000 per year – increased sums insured available
Book Debts (loss of) – £10,000
Money – Cash on premises, in transit and whilst at the bank
Commercial Legal Expenses – including employment tribunal cover, compensation awards and legal defence.
Additional sections are commercial building insurance, all risks anywhere in the world (ie laptops) and personal accident.
Quoteline: 08456 024 589 (local call rates apply)
Quoteline: 08456 024 589
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