OFFICE& SURGERIES INSURANCE

ALL YOUR INSURANCE NEEDS IN ONE PACKAGE

Office and Surgeriesis a competitive package suitable for the majority of professional offices and surgeries. It is ideal for businesses such as accountants, estate agents and dentists.

Optional extras are also available. These can be used to extend the Insurance to cover and meet any wider business requirements and are outlined below.

STANDARD COVER PACKAGE

Includes the following:

  • Contents, Business Equipment & Business Files
  • Glass and Sanitary ware
  • Money
  • PA Assault
  • Employer’s & Public Liabilities
  • Goods in Transit (Own Vehicles £1,000)

PRINCIPAL FEATURES OF THE PACKAGE

  • Accidental Loss or Damage Cover on Contents
  • Theft cover following breaking into or out of the premises
  • Discounts for Increased Excesses
  • Legal Protection Advice and Emergency Helpline

OPTIONAL COVERS AVAILABLE

  • Outstanding Debit Balances
  • Buildings
  • Business Interruption

IMPORTANT

Whilst every care has been taken with the information in this document, only the main terms and conditions can be shown.

A full specimen wording is available upon request.

SUMMARY OF COVER

CONTENTS

Your Contents including Business Equipment are insured against Accidental Loss, Damage or Destruction

In addition to the above the Insurance includes:

  • Breakage of fixed glass and sanitary fittings
  • Replacement of locks following theft of keys
  • Property (excluding Electronic Equipment) temporarily removed or in transit
  • Removal of Debris
  • Automatic reinstatement of Sum Insured following a loss
  • Theft damage to premises
  • Loss of Metered Water or Heating Oil up to £2,500

MONEY

Cover is provided within the following limits:

  • Crossed cheques, etc£250,000
  • In transit and in your premises during

Business hours£2,500

  • In a bank night safe £2,500
  • In the business premises whilst closed for business

(a) contained in a locked safe/strongroom£1,000

(b) not in a locked safe/strongroom£250

  • In the dwelling of the Insured £250

(or an authorised Employee)

PERSONAL ACCIDENT - ASSAULT

We also cover injury to you or your Employees following robbery during the course of your business for:-

  • Death, Loss of Limb(s)/Eye(s) or Permanent Total Disability
  • Temporary Total Disablement (up to 104 weeks)
  • Damage to clothing and personal effects

LEGAL LIABILITIES

Employer’s Liability up to £10m any one occurrence

Public and Products Liability up to £1m (£2m available upon request)

  • any one occurrence in respect of Public Liability
  • per period of insured for Products Liability

OPTIONAL COVERS

BUSINESS INTERRUPTION

Cover is provided, for a selected Sum Insured, for Loss of Revenue (or Additional Expenditure) following damage to your buildings or contents for a selected indemnity period – from 12 months up to 36 months.

Including losses resulting from

  • Prevention of Access
  • Failure of Public Utilities
  • Disease and defective sanitation

OUTSTANDING DEBIT BALANCES

This optional section offers insurance against losses arising out of being unable to trace or establish outstanding debit balances as a result of damage occurring to the contents of your office or surgery.

BUILDINGS

If you own or have the responsibility for insuring your premises cover can be provided, including theft, accidental loss or damage, in line with the contents cover

HELPLINES

Business Legal Protection Helpline will provide you with free legal advice on certain commercial legal problems related to your Business.

EXCESS

You will be responsible for the first part of each claim (known as the Excess) under the following Sections:

  • Contents and Buildings£350
  • Money & Refrigerated Stock£ 50
  • Business Interruption, PA Assault £NIL
  • Liability£500

You may voluntarily increase the level of the Contents and Buildings Excess in order to further reduce the premium!

IMPORTANT NOTES

Acts of Terrorism are excluded.

Optional Terrorism cover is available upon request and the payment of an additional premium.

For further details contact your Insurance Advisor or Broker.

MAIN EXCLUSIONS

  • Theft not involving forcible and violent entry or exit from the premises
  • Damage to Fixed Glass or Sanitary ware in vacant or unoccupied portions of the premises
  • Damage due to burst tanks apparatus or pipes when the premises are vacant or unoccupied
  • Subsidence ground heave or landslip (unless specifically extended)
  • Injury or Damage due to the giving of advice or treatment
  • Damage to Electronic Equipment away from the premises (unless specifically extended)
  • Manual work away from the premises
  • Damage to fences or gates caused by storm or flood

CUSTOMER INFORMATION

It is always our intentions to provide a first class standard or service. However, if you do have any cause for complaint, you should contact your Insurance Advisor or Broker who arranged your Insurance.

If the matter is not resolved to your satisfaction, please write to the Managing Director at B & L Underwriting Agencies Ltd, 6-8 Fenchurch Buildings, London EC3M 5HT.

LAW APPLICABLE TO CONTRACT

It is possible to choose the law applicable to a contract of insurance covering a risk situated in the United Kingdom. We have chosen Scottish Law if you live in Scotland and English law if you live elsewhere in the United Kingdom.

Payment of premium will be evidence of acceptance of our choice. If any other law is to apply, it must be agreed by both parties and evidenced in writing.