Commercial Guard - Office and Surgery

A package policy suitable for professional offices and surgeries with flexibility to increase limits suited to the business needs.

Terms, conditions and exclusions apply. Please refer to the Policy Wording and Policy Summary for further details. We also underwrite a variety of schemes, if you have a policy underwritten by Ageas you should check your policy document for full cover details.

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Full-cycle trading available on the Ageas Insurance Extranet​.

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Available cover includes the following:

Cover Commercial Guard - Office and Surgery
Property Standard cover with trade contents:
  • Fire, perils and accidental damage
  • Non-process machinery breakdown up to £1,000,000
  • Computer equipment breakdown up to £100,000
  • Trade contents includes up to £10,000 computer equipment
  • Includes full theft, money, malicious attack and glass
  • Wide range of standard extensions
Optional covers:
  • Buildings
  • All risks (UK Europe or worldwide options)
  • Deterioration of refrigerated drugs in surgeries
  • Fidelity guarantee
  • Terrorism
Business Interruption Cover includes:
  • Gross revenue £500,000 cover with 24 months indemnity period
  • Loss of income following non-process machinery or computer equipment breakdown £50,000
  • Public utilities (fire & perils) terminal ends, prevention of access and transit
  • Book debts £25,000
  • Food poisoning, vermin, infestation, defective sanitation, murder, suicide and notifiable diseases
  • Unspecified customers/suppliers extensions £25,000
Liability Cover includes:
  • Employers’ liability £10m any one occurrence
  • Public liability £2m any one occurrence (can be increased)
  • Products liability £2m any one period (can be increased)
Legal Expenses

Excess (starts from) - £250


Commercial Guard - Office and Surgery