Guiding you through the complexity of business insurance is our primary goal

Your surgery is exposed to many risks and trying to identify these to find the right protection can be a minefield. From calculating adequate levels of cover through to understanding the insurer terms of agreement, you may be paying for something that does not serve you when you need it the most.

Not only that, being under insured could mean a shortfall in your payout should you need to claim. Through conducting surgery appraisals, we identified that 95% of surgeries had incorrect cover^

Talk to our specialist consultants to find the best cover that suits your business needs.

Our consultants will discuss your needs and cover such as:

• Public Liability - up to £10m limit of indemnity
• Employers' Liability - with a £10m limit of indemnity
• Refrigerated drugs and vaccines - up to £15,000 at any one location with the option to increase if required
• Business Interruption - loss of income and additional expenses covered for 12 and 24 claim periods
• Legal Expenses - cover automatically provided for up to £500,000 for things such as employment disputes, legal defence, contract disputes and tax protection
• Accidental damage to buildings and contents – protection against one-off and unintentional incidents like spillages and breakages

^Data  taken from 68 surgery appraisals conducted between January and December 2017

Whats not included

Our surgery insurance providers are unable to cover everything within their policies.

• Building and contents - Wear and tear and gradual deterioration, vermin, rust damp or mildew
• Business interruption - Any business interruption from compulsory closure
• Compter breakdown - loss or destruction of or damage to any computer equipment caused by malicious persons, hacking, virus or similar mechanisms. For this cover, you may need Cyber and Data Insurance

Limits, exclusions and charges do apply.
Full terms and conditions of the policy and cover, including the policy benefits and exclusions, will be contained in the Policy Wording and Policy Summary.

Optional features available to enhance your cover, at an additional cost:

Engineering policy - Machinery inspection and equipment breakdown cover for autoclaves and compressors including:

• Your own surrounding property damage caused by explosion of pressure plant
• Hire of replacement equipment following an indemnifiable loss and all risks cover on said equipment
• Clean up costs for insured property affected by hazardous substances
• Engineers' fees incurred during repair investigations or tests following an incident

Excess Protection - should you need to make a claim on your insurance policy; you can claim your excess following successful settlement of your claim.  You choose the upper limit the policy will pay out - typically £250 or up to a combined limit of £2,500.

Surgery Emergency Assistance - If you need a little extra help in case of an emergency, our Surgery Assistance Plus cover offers a number of benefits including:

• Up to £1000 for parts and labour from an approved tradesman
• 24/7 emergency helpline available 365 days of the year
• Plumbing and burst pipe cover
• Cover for drainage problems, electrical breakdown, broken or damaged windows
  

Business travel - covers all employees for business travel, medical expenses cover up to
£1 million and cancellation cover up to £2,000

Our service promise

Provide expertise - Our consultants have years of experience working with key individuals responsible for ensuring the business runs uninterrupted.

Advice and guidance - helping your business create an insurance policy that is individual to you.

Reduce complexity - Where necessary, we will appoint an appraiser to conduct a walkthrough of your surgery and assess your insurance needs. We have found time and again businesses are left under insured as the cover needs are not always up to date

Search the market - we work with providers such as Aviva, Hiscox and Sterling giving you access to specialist business insurance underwriters and syndicates, which often aren't accessible to the general public.

Explain the small print - Insurance documents can be complicated and it's easy to overlook the small print. We will inform you of vital exclusions and limitations and talk you through the claims process when you need it.

Service all year round - Whether you need our assistance on a claim or simply want to discuss insurance needs as part of your business growth, we will be on hand to offer any advice or point you in the right direction. At renewal we will re-assess your needs, search the market and offer a policy that is suitable for the forthcoming year.