• Professional Risks,
  • Flexible Cover

Suits: SMEs

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 premises.

For new business and renewals transacted from 01 April 2020 we would like to draw your attention to the Important Notice to Policyholder document outlining changes to the policy wording.


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 at £2,500
  • Public / products liability automatically included at £2m - option to reduce or increase
  • Employers' liability at£10m
  • Money cover at £3,500 - option to increase
  • Goods in transit cover at £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
  • Terrorism

Sweet spots

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 premises
  • Premises without self contained access
  • Predominantly unoccupied portfolios

Did you know

Our Offices product gives you the ability to flex your rate of commission on RSA Online or a supported software house from 0 to 35%

Claim information

Express Claims handling

We express handle suitable commercial property claims worth up to £5,000. 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

Commercial Property Claims:
0330 102 4100
Public Liability and Products Claims (Non-Injury):
0330 100 6479