Office and surgery
Our office and surgery insurance is designed for a whole spectrum of offices and medical and veterinary professions.
Please refer to the policy wording for full details of cover and applicable.
Overview
Who is it for?
| Title | Optima Office & Surgery |
|---|---|
| Small to medium sized office, medical and veterinary professions based in Great Britain, the Channel Islands and the Isle of Man |  |
| Risks with buildings sum insured up to £750,000 any one location | |
| Risks with contents sum insured up to £250,000 any one location |
|
| Over 300 acceptable occupations | |
Commission
Variable commission (maximum 30%)
Minimum premiums
from £187.50 plus IPT
How to get a quote
- Optima Online
- imarket (new business only)
Cover
Standard package provides
| Standard package provides | Optima Office & Surgery |
|---|---|
| Buildings | All risks cover including property owners liability |
| Contents | All risks cover |
| Portable equipment | £1,000 anywhere in the UK |
| Drugs and medicines | £1,000 for surgeries |
| Refrigerator contents | £2,000 sum insured |
| Glass | £5,000 sum insured |
| External signs | £500 sum insured |
| Documents in transit | £1,000 sum insured |
| Money | £4,000 limit during business hours and in transit £2,000 limit in safe £350 limit outside business hours not in safe £500 limit at home of director or employee |
| Public liability | £2 million limit of indemnity |
| Employers' liability | £10 million limit of indemnity |
Limits can be extended to include
| Limits can be extended to include | Optima Office and Surgery |
|---|---|
| Portable equipment | Up to £10,000 sum insured and also to cover worldwide |
| Drugs and medicines | Up to £10,000 sum insured |
| Refrigerator contents | Up to £10,000 limit |
| Money | Up to £10,000 limit during business hours and in safe |
| Public liability | Up to £5 million limit of indemnity |
Cover can be extended to include
| Cover can be extended to include | Optima Office and Surgery |
|---|---|
| Subsidence damage | |
| Business interruption | Up to £750,000 limit, 36 month indemnity period for gross profit basis Up to £350,000 limit, 24 month indemnity period for increased cost of working basis |
| Computer breakdown | Up to sum insured for computer equipment Includes £50,000 additional cost of working in reproducing computer records |
| Personal accident | £5,000 death and permanent injury £50 week for up to two years for temporary disablement per unit Maximum six units |
Excesses
| Excess | Optima Office and Surgery |
|---|---|
| Property damage | £100 |
| Subsidence | £100 |
| Signs | £100 |
| Glass | £100 |
| Money | £1,000 |
| Computer extension | £250 |
Benefits
Policy benefits
| Benefit | Optima Office & Surgery |
|---|---|
| Up to 25% no claim discount | |
| Index linked buildings and contents sums insured | |
| Tenants liability for damage to buildings following theft and damage to underground services, up to £10,000 limit | |
| Contents section extends to cover machinery, fixtures, fittings and documents whilst temporarily removed from premises, up to 15% of sum insured | |
| Personal injury, following robbery or attempted robbery, benefits of £5,000 if insured or employee killed or suffer serious permanent injury and £50 weekly benefit for temporary disablement | |
| Business interruption automatically includes denial of access, failure of public utilities, damage to underground services and closure of premises due to poisoning, murder, suicide or disease | |
Risk appetite
Trades we are particularly competitive on
| Trade | Optima Office & Surgery |
|---|---|
| Accountants |
|
| Architects |
|
| Chiropodists |
|
| Computer consultants | |
| Dentists | |
| Estate agents | |
| Financial services | |
| Management consultancy | |
| Mortgage brokers | |
| Osteopaths | |
| Publishers | |
| Solicitors | |
Literature
Optima Office & Surgery
- Optima Office and Surgery policy summary (PDF, 101Kb)- This link opens in a new browser window
Reference: None
Published: 19 October 2011 - Optima Office and Surgery policy wording (PDF, 530Kb)- This link opens in a new browser window
Reference: WPOS
Published: 18 October 2010
