Offices and Surgeries Insurance

We understand the financial impact that Covid-19 is having on individuals and businesses across the country. A question you may be asking is:

‘As a result of Covid-19 what happens if I can’t afford to pay for my policy?’

Most of our Commercial and Retail Insurance policies are arranged via insurance brokers/MGAs, so in the first instance please contact your broker/MGA to discuss your needs and what assistance may be available.

If you have a direct debit under a Regulated Credit Agreement with New India Assurance and need our assistance please contact us on 01473 233626 between 9 am to 5pm Monday to Friday (excluding Bank Holidays).

Our standard policy includes cover for;

• Loss or damage to contents including electronic equipment, computer equipment and data carrying materials
• Reinstatement of computer data and replacement of essential documents
• Portable electronic equipment used away from the premises
• Accidental Damage to underground pipes, services and cables
• Replacement of locks at the property following theft of keys up to £500
• Loss of metered water up to £5,000
• Breakage of fixed glass, sanitaryware and signs
• Loss of Gross Fees and Additional Expenditure following damage to contents or buildings, damage to surrounding property which hinders access to your property or loss of use of computer equipment due to the failure of electricity supply – standard limit of £600,000 with 24 months maximum Indemnity Period, with option to increase.
• Loss of Money whilst in the premises or in transit, including damage to any safe on the premises arising from theft
• Cover for bodily injury sustained directly as a result of assault or violence in connection with theft
• Public Liability £2,000,000
• Employers Liability £10,000,000

Our standard policy includes cover for;

• Damage to Buildings including Debris Removal costs and Architects and Surveyors Fees
• Costs and expenses incurred in locating the source of any damage caused by Escape of Water or Oil up to £5,000
• Loss of money or other property following dishonesty of employees up to £10,000
• Reasonable costs of tracing outstanding debtors should business accounts or other records be destroyed and reimbursement of amounts that cannot be traced.
• Legal Costs and Expenses relating to Employment Disputes, Employment Compensation Awards, Tax Protection, Property Disputes, Tenancy Protection, Compliance and Regulation, Directors Protection, Statutory Licence Protection and Contract & Debt Recovery.

Suitable Risks;

• Offices, including;
  • Accountants
  • Estate Agents
  • Solicitors
  • Insurance Brokers
  • Financial Advisors
  • Architects
• Surgeries, including;
  • Dentists
  • Chiropodists
  • Doctors
  • Osteopaths
  • Veterinary Practices

Positive Features;

• Low claims frequency
• Trading history and experience
• Superior security features
• Overnight occupancy
• Low flood risk
• Low Subsidence risk

Unacceptable Features;

• Non-Standard Construction
• Unoccupied risks
• Unspent Criminal Convictions
• Previous Liquidation / Bankruptcy / CVA

Unacceptable Trades;

• Auctioneers
• Debt Collectors
• Taxi Offices
• Money Lenders
• Travel Agents
• Bank / Building Society
• Employment Agencies
• Bureau de Change
• Internet Service Providers