All risks cover for loss or damage to contents
Option to add all risks cover for medical equipment
Theft cover, without the need for forcible and violent entry to the premises
Money, including personal accident (assault)
Employers' liability with a £10 million limit of indemnity
Public liability with a standard limit of indemnity of £5 million, with higher limits available
Deterioration of refrigerated drugs and vaccines
Damage to exterior and interior glass
Legal expenses protection - covering costs and expenses for contract disputes and compensation claims up to £250,000
Prefer to spread the cost of your policy?
Paying by direct debit is an affordable and convenient way to pay for your policy. Through our preferred provider, Premium Credit Limited (PCL)*, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments.
To find out more about PCL and direct debit payments, select Direct Debit.
*To understand more about how PCL work together with Towergate, please read our Regulatory Information.
Loss or damage caused by wear and tear, the action of light or atmosphere, moths, vermin or insects
Loss or damage following deliberate acts by utilities companies
Escape of water or theft or riot whist the building is not in use
These are just some of the key exclusions/limitations, full details will be found in policy wordings.
You are required to have employers' liability insurance if your business has employees. The requirement applies irrespective of whether your staff are full or part time. The insurance covers your legal liability to employees if they are injured at work or become ill as a result of the work they do for you. The policy will cover your legal defence costs and will pay compensation to the employee if you have been negligent
To provide theft cover your insurance company will require a minimum level of security on your premises, this will include for example:
Five lever mortise deadlocks complying with British Standard 3621 on all final exit doors
Key operated window locks to be fitted on all ground floor and accessible opening windows
Please refer to your policy wording for full details as the requirements can vary according to the type of door and windows you have. This will not apply to any door or window officially designated a fire exit by the Fire Authority.
No, your policy does not provide cover for professional negligence. A professional indemnity insurance policy would be required
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.
Together with our customers and with industry professionals we have developed a policy that has the specific needs of your surgery at its heart. We take pride in our personal touch. From help choosing the correct policy through to making a claim, our expert team will be on hand to offer impartial advice and support at all times.
Our highly experienced in house surgery insurance claims team of six people have a combined experience of over 40 years and are on hand Monday to Friday to support you.
In the event of the worst happening, please call us on 01438 739731 and we will talk with you about your claim, guiding you through your next steps and taking you through the process. Your claim form can be downloaded here and you will find email and postal address details in your policy documents.
In line with our service pledge, we will act within 24 hours of your new claim being notified to us, and within five working days of any new information on your existing claim, to ensure that your claim is settled as quickly as possible.
Most importantly, when your claim is settled we will ensure speedy payment by BACS straight in to your bank account or by CHAPS to the supplier.
Based on 50 independent customer reviews.