Surgery Insurance

Tailor made cover packed with features and benefits for doctors, dentists, opticians, alternative therapy practitioners and vets.

Giving your business the protection it needs, our surgery insurance team will tailor a range of policies for you, offering cover for buildings and contents, deterioration of drugs and vaccines, business interruption and theft, employers' and public liability and added protection for legal expenses you incur.

0330 123 5250
0330 123 5250 Weekdays 8:30am - 5.30pm
Get a quote Request a callback

Surgery insurance features

  • All risks cover for loss or damage to contents

  • Option to add all risks cover for medical equipment

  • Business interruption

  • 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.


Surgery insurance exclusions

  • 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.


Surgery insurance FAQs

Why do I need employers' liability insurance on my surgery policy?

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

What do you mean by minimum standard of security on my policy?

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.

I have given the wrong professional advice. Can my client claim under my public liability policy?

No, your policy does not provide cover for professional negligence. A professional indemnity insurance policy would be required

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.


Surgery insurance claims promise

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.

0330 123 5250
0330 123 5250 Weekdays 8:30am - 5.30pm
Get a quote Request a callback
Feefo logo



Request a callback

Full name   Contact number     Email address     Please note: This service operates only during office hours.