- Professional Risks,
- Flexible Cover
Our Offices policy is specially designed for limited companies, partnerships and sole proprietors operating administrative risks, surgeries or veterinary clinics. With a maximum sum insured of £2.5 million per premises our Office policy can cover a maximum of 10 locations.
Benefits for you and your customer
- We can cover office risks where the customer works from home
- A specialist health and medical policy wording specifically designed for clinics and surgeries, incorporating a liability medical malpractice definition
- Free 24-hour advice lines for catastrophe claim assistance, emergency repairs and health and safety
- Simplified approach to security requirements
- Simplified documents with common clauses now in the policy wording
- Wide trade and geographical eligibility, so we cover more trades and postcodes.
Our standard cover consists of:
- General contents including accidental damage
- Unspecified all risks items to £2,500
- Public / products liability automatically included to £2m - option to reduce or increase
- Employers' liability to £10m
- Money cover from £1,000 - option to increase
- Goods in transit cover from £2,500 - option to increase
Add a range of covers to tailor to your customers' needs:
- Computer equipment, including computer breakdown cover and the option to add reinstatement of data
- For surgeries risks, cover for drugs from £2,500
- Business interruption on a gross revenue or increased cost of working basis
- Specified contents and all risks items
- Stock and trade samples
- Legal expenses
- Theft by employees
- Group personal accident
- Buildings cover with options to include subsidence and loss of rent
Examples of where we have a particularly strong appetite, are actively targeting, and have been found to be at our most competitive.
- Accountants, solicitors and insurance brokers
- Surveyors and architects
- Doctors and dentists
- IT/Computer consultancies
- Graphic design and marketing
- Contents risks with sum insured between £10,000 and £100,000
Positive risk features
Factors we will take into account to make our sweet spots even more competitive.
- Single tenancy
- Good alarm & physical security
- Low claims frequency
- Length of time in business
- Standard construction
Risks we would never write, or write only rarely forming a small part of a wider portfolio.
- Individual exposures greater than £2,500,000 SI
- Portfolios with more than 10 properties
- Properties without self contained access
- Predominantly unoccupied portfolios
Did you know
Our Offices product gives you the ability to flex your rate of commission on rsaonline and Acturis from 0 to 35%
Express Claims handling
We express handle suitable commercial property claims worth up to £2,500. This means that we aim to conclude settlement within 24 hours* by collecting important information to validate the policy cover at first notification, and making payment by your customers' preferred method.
Unique in-house Loss Adjusting service
Exclusive access to a network of carefully selected suppliers offering property services at specially negotiated rates.
*Core working hours are Monday to Friday, 9am to 5pm