Protecting your office or healthcare practice requires more than standard business insurance. At Saepio Insurance Brokers, our Office & Surgery Insurance provides comprehensive protection for commercial offices, GP practices, dental clinics, specialist surgeries, and professional healthcare providers. From your premises and specialist equipment to your employees, patients, and business, we tailor cover to keep your operations running with confidence.
Office & Surgery Insurance Cover
Our comprehensive policies combine essential protections into a single, manageable package, with customizable limits to suit your exact operational needs.
Buildings & Contents Cover
Protects your property, fixtures, fittings, and internal contents against major risks including fire, flood, storm, burst pipes (escape of water), theft, and malicious damage.
High-Value Equipment: Specialized cover for office IT infrastructure, clinical machinery, diagnostic tools, and surgical equipment.
Refrigerated Stock: Cover for the deterioration of temperature-sensitive drugs, vaccines, and medical supplies due to fridge failure or power outages.
Glass & Shopfronts: Replacement cover for damaged external windows, glass partitions, signage, and surgery fronts.
Trace & Access: Reimburses the cost of locating and exposing hidden water or oil leaks and repairing the surrounding structural damage.
Liability Protection
Employers’ Liability (£10m standard): A legal requirement in the UK if you employ staff—protecting you if an employee suffers an injury or illness as a result of their work.
Public & Products Liability (£5m standard): Safeguards your business against claims if a client, patient, or visitor is injured on your premises or if their personal property is damaged.
Business Interruption & Revenue Safeguards
If a covered event—such as a major flood, fire, or severe pipe burst—forces your premises to temporarily close, Business Interruption ensures your business stays financially viable.
Loss of Revenue / Income: Replaces lost earnings during the disruption period.
Increased Cost of Working: Covers additional expenses incurred to keep your business running, such as renting temporary office space or hiring interim medical equipment.
Prevention of Access: Protects income if nearby damage or emergency service cordons prevent staff and patients from entering your premises.
Specialist Core Inclusions
Equipment & Computer Breakdown: Covers repair or replacement costs for sudden mechanical or electrical failures of essential technology and surgery equipment.
Money & Personal Assault: Protection for cash held on the premises or in transit to the bank, alongside financial compensation for staff in the event of an assault.
Portable Equipment / All Risks: Extends contents protection to laptops, medical kits, and devices used by staff outside the office or on home visits. Private Health Care.