Bespoke Office and Surgery Insurance
Your professional space and specialised equipment are the lifeblood of your business. Office and surgery insurance is a specialised, bundled package policy designed to cover the unique risks faced by professional offices and medical, dental, or therapeutic practices. With a tailored policy from Brunel, you can protect your livelihood through the following core components:
Property & Contents Insurance This covers damage to buildings, office equipment, computers, and furniture. For those running a surgery, it extends to specialised medical equipment and critical assets, such as temperature-controlled drug and vaccine storage.
Public Liability Insurance As a practitioner or business owner, you are responsible for the safety of anyone entering your workspace. This covers legal fees and compensation if a client, patient, or member of the public is injured or their property is damaged on your premises.
Employers’ Liability Insurance This is a legal requirement if you have any paid or unpaid staff. It covers you if an employee suffers an injury or illness caused by their work for your practice, protecting both your team and your business assets.
Business Interruption Insurance This is essential for ensuring operational continuity. It covers lost revenue if you are forced to close due to an insured incident, or provides the financial support needed to help you continue trading from a temporary location.
Optional Extensions To ensure you remain fully protected, you can add coverage for theft, accidental damage, and legal expenses. For medical practices, specific risks like the loss of medical records or equipment failure can also be included.
Is Office Insurance and Surgery Insurance a Legal Requirement?
While the bundled package itself isn’t a single legal mandate, its components are vital for legal compliance and professional standing:
Employers’ Liability: Legally mandatory the moment you hire a single person, including part-time receptionists or assistants.
Public Liability: While not always required by law, it is the industry standard and often a requirement of your lease agreement or professional association.
Operational Protection: The cost of equipment failure or a forced closure can be ruinous; this insurance ensures that a single accident doesn’t result in permanent closure.
With Brunel, you can bundle all these protections into one comprehensive policy that meets the specific regulatory needs of your office or practice while fitting your budget.
