Offices (incorporating Health and Medical)
Insurance products which can be traded online. Specifically designed to meet the needs of offices, surgeries and veterinary clinics.
Wide range of cover
We cover a wide range of trades and postcodes, and even home-working. Our policy wording has been specifically designed for clinics and surgeries. It includes definitions of medical negligence.
24/7 advice
Contact us for 24-hour advice, 7 days a week. For catastrophe claim assistance, emergency repairs and health and safety.
Our product can be traded by you online
You're able to get a quote for and trade our products online, quickly and easily.
What's covered?
Find out more about what's covered as part of our e-traded offices insurance, and our risk appetite.
- General contents including accidental damage
- Standard excess of £250 for contents and buildings (including escape of water)
- Unspecified all risks items at £2,500
- Public and products liability automatically included at £2 million (option to increase up to £10 million)
- Employers' liability up to £10 million
- Money cover up to £3,500 (option to increase up to £10,000)
- Goods in transit cover at £2,500 (option to increase up to £10,000)
- General contents including accidental damage
- Standard excess of £250 for contents and buildings (including escape of water)
- Unspecified all risks items at £2,500
- Public and products liability automatically included at £2 million (option to increase up to £10 million)
- Employers' liability up to £10 million
- Money cover up to £3,500 (option to increase up to £10,000)
- Goods in transit cover at £2,500 (option to increase up to £10,000)
- Computer equipment, including breakdown cover and the option to add reinstatement of data
- Cover for drugs from £2,500 (for surgeries)
- Business interruption on a gross revenue or increased cost of working basis
- Specified contents and all-risks items
- Refrigerated drugs and medicines up to a maximum of £5,000. Non-refrigerated drugs and medicines up to a maximum of £10,000 overall
- Stock and trade samples
- Legal expenses
- Theft by employees
- Buildings cover with options to include subsidence and loss of rent
- Terrorism
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
The following risk features are set values within the trading platform. If the information you enter sits within the below parameters, the platform should allow ‘straight through trading’ – saving you time.
- 2 or fewer claims in the past 5 years, provided that the total value of all claims is less than £25,000
- No history of flood or subsidence losses
- Standard construction
- Fully-occupied premises used only by the business or other offices
- Premises where the total cover under property damage and business interruption is below £1 million
- All risks covered up to £10,000 for any one item, or £100,000 in total
- Contents up to £750,000 or less
- Buildings sums insured of £5 million or less
- Total computer value to not exceed £250,000
Risks we don’t write (or write only rarely as a small part of a wider portfolio) include:
- Individual property damage exposures greater than £5 million
- Individual business interruption exposures greater than £5 million
- Portfolios with more than 10 premises
- Premises without self-contained access
- Predominantly unoccupied portfolios
Professional risks, flexible cover
We've designed our Office insurance products with small to medium enterprises in mind. A wide range of risks are covered, including:
- Property damage
- Liability
- Business interruption
- Money
A great solution for limited companies, partnerships, sole proprietors and customers who work from home.
Cover is provided for:
- A maximum property damage and business interruption sum insured of £5 million per premises
- A combined limit of £10 million
- A maximum of up to 10 locations
The experts really rate our Office and Surgery insurance
Office insurance rated by experts
Defaqto also liked our Office insurance policy so much they gave it 5 Stars!
Surgery insurance rated by experts
Defaqto also liked our Surgery insurance policy so much they gave it 5 Stars!
Our expert claims team, on your side
We understand the impact a claim can have on your customer's business. That's why we have a dedicated claims helpline.
Our expert claims teams will aim to provide a fast and efficient claims service to help get people and business back on track as quickly as possible.
Helping businesses be safe, strong and resilient
We offer a wide range of risk control guides to help safeguard your customers’ businesses and interests.
Help your customers put a risk mitigation plan in place by supplying them with useful content from our Risk Consulting pages.
Trade with us
Designed for offices, surgeries and veterinary clinics, you can easily trade with RSA Online. If you're not an RSA broker yet, find out how to apply and become part of the family.
Documents and downloads
View and download policies, brochures and more.