Office and Surgery

A packaged product offering 'All Risks' cover to single or multi-location offices and surgeries. It’s flexible, providing levels of core cover and a range of optional extras.

Up to 10 locations

Overall combined Property/Business Interruption sum insured of £7.5 million. Maximum £250,000 computers per location

Average free product

Reducing your clients' risk of underinsurance if the sums insured selected are inadequate. Subject to maximum sum insured payable

Business Support

Helplines for Legal & Tax, Risk Management and Counselling Service

Product details

Why Aviva Office and Surgery?

Our Office and Surgery policy features a range of benefits to support your client and their business.

  • Quotes available online, supported by Live Chat for any queries
  • All risks cover for all property insured within their premises and anywhere in the UK or Europe 
  • All risks cover for all property insured anywhere in the world for a maximum of 90 days in any one Period of Insurance
  • Average free cover under the Property Damage Section up to a maximum additional 20% on buildings sums insured and 20%, or up to £25,000 (whichever is higher) on contents sums insured. (Limits apply to certain covers).
  • Money and Assault cover
  • Up to £50,000 for events such as changing locks following theft of keys, finding leaks, deterioration of drugs and vaccines (surgery risks only)
  • Flexible Business Interruption options, with cover enhancements
  • Up to £50,000 Additional Increased Cost of Working cover where Loss of Income is selected
  • Public and Products Liability cover limit of £5 million
  • Automatic £500,000 legal protection including cover for Contract Disputes, Debt Recovery and Employment Disputes

Optional covers available: Stock (Surgeries only), Computer Breakdown, Buildings and Tenants Improvements cover, Terrorism, Employee Dishonesty and Personal Accident.


Terms, exclusions and limitations apply. Please see policy wording for full details.


We recognise the impact a claim can have on your client's business, and aim to get things back to normal as quickly as possible.

You can find out more about our claims process by visiting Our Claims Service page.

Quote and buy

You can quote and buy this product through Fast Trade.
Alternatively, for those clients who do not meet Fast Trade eligibility or have more complex needs, please contact your local trading office.

Visit Fast Trade

Alternative products


Traders without dedicated business premises can select core covers and optional extras to suit their needs.

Professional Offices

Our Commercial Combined product for larger single or multi location premises occupied by professionals such as accountants, solicitors and architects.

Contact your local trading office for more details.

Business Services

Our Commercial Combined product for non-professional offices that require higher limits or more complex cover.

Contact your local trading office for more details.

Cross-sell opportunities

Management Liability

Protection for individuals and businesses from claims made against them.


Flexible motor policy for businesses that have between 1 and 15 business vehicles.

Commercial Crime

Comprehensive protection against theft or fraud by employees, and if selected, by third parties.

Contact your local trading office for more details.

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