Surgeries, Doctors Surgeries, Dentist Surgeries and Vets Surgeries Summary of Cover

The following is a summary of the insurance cover available on a UK insurers
surgery insurance package policy. This is an example of one insurance
companies policy.
Many insurers offer similar surgery insurance package policies and the
insurance cover will be similar. Most insurers offer an office insurance policy for surgeries with specific policy extensions suitable for a surgery. Such as medical bags extensions and cover for chilled medicines and vaccines. However, please note that most surgery insurance package policies will differ in many ways. For example, different surgery insurance package policies may have different excesses and/or terms and/or conditions and/or warranties.

You should always ask for your surgery insurance quotation in writing and ensure that you read through the terms, conditions, warranties, exclusions, excesses and sums insured fully before accepting any insurance quotation.

The old adage "the cheapest is not necessarily the best" is certainly true for business insurance and commercial insurance which includes surgery insurance. Businessinsure will always provide you with a full written quotation based on your insurance requirements that we have discussed. Whilst we can advise you that we feel a quotation is suitable for you, you should always ensure that any business insurance quotation that we provide to you provides adequate insurance protection for your business.

Surgery Contents

• Available on an "All Risks" basis – This is standard perils such as fire, storm, flood, burst pipes PLUS accidental damage – Full Theft cover is usually available (this is more commonly known as “walk in – walk out” theft cover which is a standard exclusion on all commercial insurance and/or business insurance policies.
• Engineering breakdown is included

Liabilities

Employers’ Liability, indemnity limit up to £10 Million (inclusive of legal costs) for any one occurrence unless otherwise shown on the schedule
• Public Liability, indemnity limit up to £2 Million (any one occurrence) unless otherwise shown on the schedule
• Products Liability, indemnity limit up to £2Million (in total during any one period of insurance) unless otherwise shown on the schedule

Business Interruption

• Cover for Loss of Income for £250,000
• 2 years Indemnity Period
• Loss of Book Debts up to £10,000
• Cover follows the Office Contents section

Money

Loss of Money
• in transit
• In a bank night safe
• In Your home, or that of your partners, directors or employees
• in Your premises

Personal Accident (Assault)

Benefits are payable for injury sustained during robbery or attempted robbery resulting in:
• Death
• Loss of limbs or sight
• Permanent total disablement
• Temporary total disablement
• Temporary partial disablement
• Incurred medical expenses

Legal Expenses

This section covers legal expenses in relation to the following:
Standard Cover:
• Employment disputes and compensation awards
• Legal defence
• Property protection and bodily injury
• Tax protection

Optional Cover

• Statutory Licence Protection
• Contract Disputes
• Debt Recovery
Each of these covers has its own Provisions and Exclusions, in addition to which the General Exclusions apply to the whole section. The
purpose of this cover is to pay costs you incur (with our approval) in relation to the legal action, NOT to pay any fines, penalties or
compensation you are ordered to pay. In any event, we will not pay any costs incurred prior to our acceptance of the claim, nor any claim
reported more than 180 days after you have known about the incident giving rise to the claim.
Your policy has full details of the cover and exclusions applicable, both in relation to the individual covers and at policy level.
This section is underwritten on behalf of NIG by DAS Legal Expenses Insurance Company Limited.

The Structure

• Available on an "All Risks" basis (see contents section above)
• Engineering breakdown included
• Subsidence is available as an option in most cases

Personal Accident

24 hour cover for specified employees suffering bodily injury resulting in:
• Death
• Loss of limbs or sight
• Permanent total disablement
• Temporary total disablement

All Risks on Machinery and/or Apparatus including medical bags

Geographical Limit for each item as shown in the schedule. Any machinery or apparatus, such as laptops and pda’s will need to be specified separately if you need to insure these outside of the business premises.

You can arrange cover at a higher premium to cover these items whilst within one of the following three geographical locations:-

1 – Anywhere in the UK
2 – Anywhere in the EU (including UK)
3 – Anywhere worldwide