Business Interruption – FCA test case

For information about the outcome of the FCA’s test case into how insurance policies respond to business interruption claims as a result of Covid-19 please visit this page.

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Professional risks, flexible cover

A flexible e-Traded product to meet the needs of administrative risk, surgeries and veterinary clinics. Pick the options you need to meet business requirements, and choose covers at quote, mid-term or renewal.

It’s a great solution for limited companies, partnerships and sole proprietors, with a maximum sum insured of £2.5 million per premises, the policy can cover a maximum of up to 10 locations.

Key benefits

  • Covers home working - we can cover office risks where the customer works from home
  • Health and medical - with specialist health and medical policy wording specifically designed for clinics and surgeries, incorporating a liability medical malpractice definition
  • Free 24-hour advice – for catastrophe claim assistance, emergency repairs and health and safety
  • Simpler requirements and documents – we simplified our approach to security requirements, and use simpler documents with common clauses now in the policy wording
  • Wide trade and geographical eligibility – we cover a wide range of trades and postcodes

Cover plus extras

Our standard cover consists of:

  • General contents including accidental damage
  • Unspecified all risks items at £2,500
  • Public and products liability automatically included at £2m (option to reduce or increase)
  • Employers' liability to £10m
  • Money cover at £3,500 (option to increase)
  • Goods in transit cover at £2,500 (option to increase)

We also offer a range of flexible options:

  • Computer equipment, including computer breakdown cover and the option to add reinstatement of data
  • For surgery risks, cover for drugs from £2,500
  • Business interruption on a gross revenue or increased cost of working basis
  • Specified contents and all risks items
  • Stock and trade samples
  • Legal expenses
  • Theft by employees
  • Group personal accident
  • Buildings cover with options to include subsidence and loss of rent
  • Terrorism

This policy has been updated to exclude cover for Covid-19. See the Covid-19 notice to policyholders for more.

The best of RSA

Cogs Magenta

Deep expertise

We have more than 300 years of commercial property experience for all types and sizes of companies.

Checkbox Magenta

Bespoke solutions

Our expertise means we can tailor cover to suit the specific needs of each business.

Underwriting Magenta

Reliable, efficient claims

Our in-house claims team is fast and responsive – so when you’re due a claim, you get it as quickly as possible.

Headset Magenta

Help when you need it

To make sure you get the best out of our service, our underwriting team is always happy to help.

Business appetite

  • This product is designed to meet the needs of:

    • Accountants, solicitors and insurance brokers
    • Surveyors and architects
    • Doctors and dentists
    • IT and computer consultancies
    • Graphic design and marketing
    • Contents risks with sum insured between £10,000 and £100,000

    We can offer particularly good deals for:

    • Single tenancy
    • Good alarm and physical security
    • Low claims frequency
    • Length of time in business
    • Standard construction
  • Risks we don’t write – or write only rarely as a small part of a wider portfolio – include:

    • Individual exposures greater than £2,500,000
    • SI Portfolios with more than 10 premises
    • Premises without self-contained access
    • Predominantly unoccupied portfolios

The right expert on your claim

Direct access to decision makers

A highly experienced team responds when things go wrong. For you, this means minimum disruption and getting things back on track quickly.

Dedicated loss adjusters

Our adjusters take ownership of any claim and deal directly with you to arrange visits and agree settlements.

Bespoke supply chain service

Customers get access to a large network of vetted suppliers who provide a range of property services at a competitive agreed schedule of rates.

Commercial property claims information

Get an overview of our claims service for commercial property.

    • We put you in touch with a tradesperson from our carefully selected panel.
    • You pay cost of any work done, but where damage is caused by an insured event you can submit cost as part of your claim.
    • If damage is significant, we put you in touch with our loss adjusting service.
    • We offer fast, efficient service and impartial advice to agree the best course of action for each claim.
    • Our office-based loss adjusters use video technology to deliver swift assessment and settlement of suitable losses (typically up to £10,000).
    • Our field-based commercial property adjusters carry out face-to-face, on-site assessments for higher value and complex losses.
    • Our LAS team has instant access to RSA Underwriting teams and policy details, enabling them to make quick claim decisions and authorise prompt claims payments to customers to help with cash flow for their business.
    • Claims above a certain size and complexity need a different, often project managed approach, so our large and major loss claims handling team is made up of our most experienced claims specialists.
    • The team have the skills to manage major events and protect your customers’ financial and reputational interests. 
    • We work with you and your customers to plan for serious losses with potential high impact to their business.
    • Our technical claims specialists will consider a potential high-impact loss scenario, discuss how the policy may respond in the situation, what action we as an insurer may take, and if necessary what risk controls could be taken to prevent the incident ever taking place. 
    • A comprehensive range of reliable service providers – from drainage experts to validation and replacement of content items.
    • This provides your customers with access to a large network of vetted suppliers who provide a range of property services at a competitive agreed schedule of rates.
    • We ensure suppliers meet our challenging service level targets, delivering for your customers by monitoring each claim using a unique web-based platform to track both progress and costs.

Notice to policyholders

For new business and renewals transacted from 18 December 2020 we would like to draw your attention to the Important Notice to Policyholder documents outlining changes to the policy wording.

Buy online

Log in to RSA Online or an imarket-supported software house to get a quote.

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