• 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 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

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 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%


SME etrade Team
0345 071 6040

Claim information

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

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