Insurance that adapts as easily as you do. Our Offices and Surgeries policy is designed for clerical businesses – whether they’re operating from dedicated premises, working from home, or embracing hybrid models.

Using decades of underwriting experience and market insight, we’ve crafted an Offices and Surgeries insurance that understands the needs of modern businesses. We’ve drawn on deep industry knowledge to offer broad, flexible cover. From headquarters to home office, we’ve simplified insurance with seamless underwriting, making it easier than ever – even for hybrid work. This speeds up quoting and binding cover, allowing you to serve your clients faster.

Key Highlights: 

• Wide Appetite. Quotes instantly on 200 trades, maximising client choice.
• Exclusive Broker Partnership. We partner exclusively with brokers, ensuring your clients have access to our specialised policies.
• Low Minimum Premium. With a minimum premium of £150 + IPT, our comprehensive cover is accessible to businesses of all sizes.
• Supporting New Businesses. We’re happy to support startups and new businesses seeking insurance for the first time.
• Get Comprehensive Cover Quickly. Our quote process is designed to be fast and supported by our one-hour referral promise. 
• Flexible Protection Options. We know workplaces need flexibility, which is why we cover hybrid and home-based clerical businesses. 

Cover Benefits:

• Wording that Works. Policyholders can work from anywhere without the administrative burden of updating their insurance each time an employee relocates or switches to hybrid working. 
• Protection at Home. We provide £5,000 cover for computer equipment at home, making sure teams are up and running wherever they work from.
• Safeguarding Cash Flow. We provide peace of mind with up to £5M in public and product liability coverage.
• Survive Unexpected Events. If disaster strikes and you are unable to trade, our business interruption cover will provide critical support during the recovery period.  
• All Risks, including Subsidence. We provide broader protection than named perils policies, covering accidental damage and subsidence as standard.
• Boost Cyber Resilience. We know that businesses rely on technology, so we’ve included £25,000 virus seek and destroy cover as standard in addition to our computer breakdown cover.

Who we cover

Our Offices and Surgeries policy is designed for professionals who deliver services to accountants, law firms, healthcare providers (such as dentists, doctors, vets), architects, and consultancy businesses. It offers comprehensive protection for clerical businesses operating in office environments. 

How to get a quote

We exclusively partner with brokers, ensuring your clients have access to our insurance products through their trusted advisor. Contact your MS Amlin Insurance Business Development Manager for more information. 

If you don’t have an agency, visit here to learn more about getting started.