Office & Surgery Insurance

  • From offices to opticians and everything in between, we've got it covered.
  • Tailored to meet your business needs
How it works

Whatever your business, you’ll be in safe hands. From offices to opticians and everything in between, we’ve got it covered.

  • Protects your business
  • Required by law

Public liability Insurance will protect your business if a member of the public suffers accidental injury or damage to their property because of your business. It's included as standard in our policy.

Employers' liability insurance protects your business if a member of staff becomes ill or gets injured as a result of an accident at work and your business was at fault. We offer up to £10 million cover in employers' liability as standard.

Product liability insurance will protect your business if a member of the public suffers accidental injury or damage to their property as a result of a product you’ve supplied. We offer up to £2 million for any one insurance period as standard.

Making a claim

The claims line is open 24 hours a day so the experienced claims team is there whenever you need them.

Policy features
Standard Covers Standard Limit
Contents with extensions to include: Sums Insured selected
  • Theft of keys
£1000
  • Property whilst at exhibitions anywhere within the Teritorial Limits

£2,500
  • Loss of metered water / oil and LPG excluding any loss occurring when the premises are unoccupied or where damage is undiscovered for a period of 120 days or more.

£2,500
  • Cost of locating the source of an escape of water from any fixed pipe or water apparatus at the premises

£5,000
  • Internal fixed plate glass

£2,500
  • External signs

£1,500
  • Cost of replacement sanitary ware

£2,500
  • External blinds
£2,500
  • All other glass

Cost of repair/Replacement
*Optional covers available on request include: Buildings, Stock, Loss of Rent, Cover for Property away from the Premises, Deterioration of Stock, Fidelity Guarantee and personal accident.  
Business Money and Malicious Attack  
  • Business Money in transit with the insured or an authorised employee, between the premises and the insured’s bank.

£5,000
  • Business Money in a locked unspecified safe outside business hours

£2,500
  • Business Money whilst at the private residence of the Insured or any authorised Employee

£500
  • Business Money in the Buildings whilst left unattended or outside Business Hours and not secured in a locked safe.
£500
  • Death and disablement benefits following malicious attack where death or disablement occurs within 12 calendar months of the happening of Physical Injury

£10,000
  • Weekly disablement benefit following malicious attack

£100 per week up to 104 weeks
*Optional covers available on request include: Money in ATMs  

 

Definitions

0800: All calls to 0800 numbers are free of charge whether made from a landline or mobile phone. Calls may be monitored or recorded for training and compliance purposes.

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Small print

Post Office Money® Business Insurance/ Office & Surgery Insurance is arranged and administered by Arthur J. Gallagher Insurance Brokers Limited. Arthur J. Gallagher Insurance Brokers Limited arranges policies from a panel of insurers; the details of which are available upon request from Arthur J. Gallagher Insurance Brokers Limited.

Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: Finsbury Dials, 20 Finsbury Street, London EC2Y 9AQ. 

Arthur J. Gallagher Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority, FRN 311786. Arthur J. Gallagher Insurance Brokers Limited is registered in Scotland, registered number SC108909. Registered Office: Spectrum Building, 7th Floor, 55 Blythswood Street, Glasgow, G2 7AT.

The above details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN). Post Office Money and the Post Office Money logo are registered trademarks of Post Office Limited.

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Get the facts

Can we help?

To get a quote or apply for cover over the phone call:

0800 138 8271 9am-5pm, Mon-Fri
Closed Sat, Sun and Bank Holidays

For Customer Services:

0800 138 8272 9am-5pm, Mon-Fri
Closed Sat, Sun and Bank Holidays