Office and surgery insurance

An office worker on a telephone whilst taking notes.

Flexible cover for offices or surgeries

Co‑op Insurance Services introduces you to Miles Smith, a specialist insurance broker.

What is office and surgery insurance?

Office and surgery insurance is a flexible “all risks” cover for single or multiple location offices or surgeries.

The cover offers protection for business assets, revenue and legal liabilities and can also be added to with a choice of optional extras.

Who is office and surgery insurance for?

Office and surgery insurance is for people who run a business from a single or multi-location office or surgery. Suitable business types include:

  • accountants
  • advertising agents
  • charities
  • estate agents
  • property management.

Why choose office and surgery insurance through us?

Property damage cover

For all property damage within insured premises anywhere in the UK or Europe.

Money and assault cover

Theft of cash or assault on any employees in your offices or surgeries is covered.

Business interruption options

Different options for business interruption cover with enhancements available.

Business specialists for 95 years

We introduce you to Miles Smith who are business insurance specialists with over 95 years experience.

What can be covered?

Cover type

Amount of cover

Property

£7.5m

Computers (per location)

£250,000

Changing locks due to key theft

£50,000

Finding leaks

£50,000

Deterioration of drugs and vaccines

£50,000

Public and product liability

£5m

Legal protection

£500,000

Subject to terms, conditions and exclusions that will be outlined in your policy summary. Always check and ensure the cover is suitable for you and your needs.

What extra cover can I add?

You can also choose to add extras to your policy including cover for:

  • stock (for surgeries only)
  • computer breakdown
  • buildings and tenant improvements
  • employee dishonesty
  • personal accident
  • terrorism.

Existing business insurance customer?

If you're one of our existing customers, we're here to help.

^Call charges may apply. Calls may be monitored or recorded for security and training purposes.

Miles Smith arranges and administers your insurance with their chosen insurance provider.

Miles Smith is a trading name of Specialist Risk Insurance Solutions Limited. Specialist Risk Insurance Solutions Limited is registered in England. Registered office: 6th Floor One America Square 17 Crosswall London EC3N 2LB Company No. 06368755. Specialist Risk Insurance Solutions Limited is authorised and regulated by the Financial Conduct Authority FCA No. 473138.