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Surgeries come in various forms but regardless of what type your client runs, they will need a product which covers all aspects of their business activities. Our surgery product is a commercial combined package policy with the flexibility to suit a variety of businesses and activities covering both Staff and Property. 

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Types Of Offices Covered

We understand that finding cover for some medical facilities and surgeries can at times be difficult with insurers willing to write some but not others. We have designed our Surgery Policy to cover a broad spectrum of risks and to include a whole host of those difficult to place businesses including:  

  • Doctors surgeries and clinics 
  • Medical centres 
  • Dental Surgeries 
  • Veterinarian practices. 


As you would expect from a comprehensive policy we provide cover for all aspects of your insured’s business including as standard covers such as: 

  • Electronic business equipment and Glass/Money 
  • Employer’s Liability £10M
  • Public Liability £10M

Tailored Features & Extensions

We recognise that each business has different requirements, and do not believe in the ‘one approach fits all’. Because of this we have optional extensions specific to Surgery risks which you can easily add to your policy, giving your client total peace of mind.  

Such covers include: 

  • Stocks of drugs and medicines 
  • Black bag (Doctor’s/vet’s bag) cover – away from the premises and including drugs 
  • Mobiles/laptops and other portable electronic equipment for doctors/vets on call 
  • Work away cover (including at conferences, events etc) 

Legal Expenses

Though a business may be run to high standards and in accordance to regulations including health and safety, there is always the risk of exposure to a legal case. Our Legal Expenses comes as a quick and simple add on that offers your client peace of mind and cover in the event they find themselves in the situation where they need legal assistance.   

A-rated Capacity

Gresham Underwriting is a Lloyd’s Cover holder and is able to utilise both Lloyd’s and Company market capacity. We only ever use A-rated carriers. Our Surgery package policy is placed under binding authority with Brit, AXA and Axis. 

    • Independent Brokers

      This online TOBA application process is intended for independent brokers, regulated by the FCA, that are applying on their own behalf and:

      a) not on behalf of a network
      b) not to include any Appointed Representatives.
      If you wish to apply for either of the above please contact: kevan.aubrey@jensten.co.uk

      Commercial Manager/Director

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