Office and Surgery

Digitally Traded

Introducing Aviva Office and Surgery cover

From accounts to doctors' surgeries and architects to dental practices, our Office and Surgery product can offer cover for single or multi-location businesses. 

Why do clients need Office and Surgery cover?

Office and Surgery cover is designed to help protect businesses and their office property, business contents, employees and customers.

Many clients need certain covers to protect their business such as:

  • Employers' Liability
  • Legal Expenses
  • Products Liability
  • Public Liability

Why choose Aviva's Office and Surgery cover?

If your client has up to 10 office or surgery locations, we have a range of covers to support them. Every policy has a set core cover, and your client can add optional covers to further protect their business based on their needs and requirements.

What's covered as standard?

  • Property Damage - provides cover in the event of damage to any contents, computers, fixtures and fittings in your client's business; where your client is a surgery risk, we will also provide cover for damage by deterioration or contamination to drugs and vaccines
  • Business Interruption - here to help your client get back on their feet and trading as usual if they're impacted or have to close their doors due to an unforeseen insured event
  • Employers' Liability - required by law if the business has any paid or unpaid employees; covers clients if anything happens to their employees as a result of the work they do
  • Public Liability - supports your client with legal fees and compensation pay-outs if your client is accused of causing injury or property damage
  • Products Liability - if your client sell items, product liability insurance covers your clients business if one of their customers or member of the public becomes ill or suffers an injury because of a product they've supplied
  • Legal Expenses - whether it’s debt recovery, an unexpected employment dispute, damage to property or client contract issues, this cover can provide reassurance if your clients faces misunderstandings and disagreements that result in legal action
  • Money and Assault - in the event of loss of money, whether by accident or theft, we can help to protect against losses from clients' premises, at their home and whilst in transit

What optional covers are available?

  • Property Damage - cover for buildings, business records and tenants improvements to widen the Property Damage section of a client's policy; where your client is a surgery risk, they can also add cover for stock
  • Computer Breakdown - for the reinstatement of data and any increased costs of working to minimise disruption to your clients business
  • Terrorism - protection for property that's damaged or destroyed following a terrorist attack including subsequent business interruption
  • Employee Dishonesty - in the event of loss of money or property following theft or fraud by an employee, we can help to protect your client's business from the impact of the loss
  • Personal Accident - this cover is designed to provide protection for the business and support for the employee if they experience a work accident, death or serious injury


Did you know?

Policyholders can also access a range of legal help and advice through our Aviva Business Law website, powered by Farillio. Your clients can get access to business and legal guides, along with help for everything from branding to tax planning.

Get a quote

You can get a quote for Office and Surgery and buy online through Fast Trade.


Our dedicated claims service is there whenever your client needs us – they can call our 24/7 claims line or email us anytime. 

Your client will be allocated a claims handler, who will support them throughout the entire process, but they’ll also have access to our panel of solicitors working in litigation and claims investigation.

Our defence excellence team will be on hand to help protect clients against fraudulent claims and also give advice on best practice procedures and legislation that can help companies enhance their risk management strategies.

Documents and resources

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