Office & Surgery Insurance from Direct Line aims to give you the cover you need. Whether you're a solicitor, accountant, doctor or dentist your business could be at risk from fire, theft, accidental damage and public and products liabilities, amongst others. After all, one small mistake could jeopardise your ability to earn an income.

Direct Line's Office & Surgery Insurance aims to cover you against each of these risks as part of its standard cover and then allows you to tailor your policy for your own purposes, adding optional extras or increasing cover levels to suit your particular business.

For full details, please refer to the Office & Surgery Insurance policy document, or read on for a guide to our cover: it's a good deal better!

Standard Cover

Contents (including when in transit): cover for computer equipment, contents, documents, fixtures and fittings, and the personal effects of employees and customers as a result of an insured peril such as fire, flood, theft and accidental damage. Cover is also provided for business contents when in transit.

Refrigerated Stock: up to £15,000 of cover for goods damaged as a result of the breakdown of freezer cabinets.

Business Interruption: our standard policy includes cover for loss of income following an insured loss up to £500,000. This amount can be increased if necessary.

public liability: up to £2 million of cover for compensation payable arising from injury to third parties or damage to their property caused by you in the course of your business or arising from the Service you provide and for which you are held legally liable. You can increase the limit of cover to £5 million if required.

Employers' Liability: up to £10 million of cover against compensation claims by your employees injured in the course of employment by you where you are held legally liable, as well as expenses and legal costs arising from such an injury.

Glass & Fixed Signs: cover against breakage to glass, sanitary ware, any boarding up costs, plus cover against damage to fixed signs.

Loss of Money: cover against loss of money when in transit, in a bank night safe, on the premises, or in the home of a business principal or employee.

Business Legal Expenses: cover for employment disputes, legal defence costs for actions brought against your or your employees and Inland Revenue investigations and VAT tribunals up to £100,000.

Personal Accident & Assault: benefits are payable in the event of bodily injury to you or your employees as a result of robbery. Includes up to £500 of cover against damage to personal effects.

Equipment Breakdown: cover against direct physical damage to trade equipment resulting from breakdown, collapse or events such as boiler explosions.

Optional Covers

Buildings: cover against damage to the buildings at the premises to be insured from perils such as fire, flood, theft and accidental damage.

Portable Equipment: UK, EU or worldwide cover for specified portable items that will be used away from the business premises.

Personal Accident: cover against an unfortunate accident to specified person(s) within your business.

Interested? Why not get an Office & Surgery Insurance quote!

Need more information? See our policy document.