Offices (incorporating Health and Medical)
Flexible e-traded insurance specifically designed to meet the needs of offices, surgeries and veterinary clinics.
Professional risks, flexible cover
Our Offices product is specially designed to suit the needs of a small to medium enterprise. Whether operating from a commercial property or working from home, we can provide one of the best level and type of cover needed to protect a business. It covers a wide range of risks, including Property damage, Liability, Business interruption and Money.
It’s a great solution for limited companies, partnerships and sole proprietors, with a maximum property damage and business interruption sum insured of £5 million per premises, with a combined limit of £10 million, the policy can cover a maximum of up to 10 locations.
The experts really rate our Office and Surgery insurance
Defaqto is a leading financial information, ratings and fintech business, helping consumers, financial institutions and financial advisers make better informed decisions. Recommending our Office and Surgery products to your customers can help you with your product governance requirements and support your Fair Value Assessment.
Insurance rated by experts
Defaqto also liked our Office insurance policy so much they gave it 5 Stars!
Insurance rated by experts
Defaqto also liked our Surgery insurance policy so much they gave it 5 Stars!
Why choose RSA?
Our flexible e-traded product was designed to meet the specific needs of offices, surgeries and veterinary clinics. Pick the options needed to meet business requirements, and choose covers at quote, mid-term or renewal.
- 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
- General contents including accidental damage
- Standard excess £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 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 £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 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 computer breakdown cover and the option to add reinstatement of data
- For surgery risks, cover for drugs from £2,500
- 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, and 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 policy has been updated to exclude cover for Covid-19. See the Covid-19 notice to policyholders for more.
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.
- Two or fewer claims in the past five 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 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
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Helping businesses be safer, stronger, and more resilient
Documents and downloads
View and download policies, brochures and more.
Risk management guide
