Shop, Office and Surgery Insurance
If you run a retail business, professional office or medical surgery, having the right insurance in place is essential. Our shop, office and surgery insurance policies are tailored to the everyday risks you face, whether it’s providing cover for your premises, covering stock and equipment, or keeping you trading if the unexpected happens.
These packages are designed for businesses with a physical premises and typically combine multiple covers into one simple policy. Whether you run a high street shop, a private dental surgery, a GP practice or a professional office, we can help arrange practical, reliable cover that fits how you operate.
What’s Typically Included?
We build policies around your business, but most business premises insurance packages will include the option to cover:
- Buildings and Contents - cover for your shop, office or surgery, including fixtures, fittings, bricks and mortar, shop fronts, furniture and internal systems.
- Business Interruption - Covers loss of income if you can't trade due to an insured event like fire or flood, keeping your cashflow going while you recover.
- Employers, Public and Product Liability - Essential cover if you employ staff, serve customers or sell physical products. Helps protect your business if someone is injured or their property is damaged.
- Stock (with seasonal increase options) - Includes protection for everyday stock as well as higher levels during peak trading periods, particularly useful for retail.
- Glass and Signage - Cover for shopfront windows, doors, external signage and other display features.
- Money and Assault - Includes cash on the premises or in transit, plus protection if staff are assaulted during a robbery.
- Computers and Electronic Equipment - Cover for laptops, desktop systems, point-of-sale equipment, servers and more.
- Medical Equipment - If you operate a surgery, we can include cover for specialist medical tools and technology.
A Practical Solution for Premises-Based Businesses
This type of commercial combined insurance is ideal for small to medium-sized businesses with a physical location. Whether you’re looking for:
- Shop insurance for a high street store or boutique
- Office insurance for a professional services firm
- Surgery insurance for a dental, healthcare or aesthetic clinic
We can tailor a policy to suit your risks, setup and sector.
If you also need commercial building insurance as a landlord or property owner, we can arrange that too.
Why Choose Chubb Thomas?
- Truly independent insurance broker based in Bournemouth, with no corporate ties
- Insurance quotes tailored to your needs, across Dorset and surrounding areas
- Speak directly to your dedicated contact—no call centres, no waiting
- Work with your key person from start to finish
- Insurance quotes tailored to your needs, across Dorset and surrounding areas
- Fair fees and transparent advice every step of the way
- Independent and unbiased—we’re not tied to any insurer, so you always come first
- A reputation for excellence, delivering insurance services locally since the early 1980s.
FAQs
What is shop, office and surgery insurance?
It’s a combined insurance policy designed for businesses with physical premises. It brings together core covers like buildings, contents, liabilities, business interruption and stock under one package.
Do I need public liability insurance?
Any business that operates from a premises should consider this cover. It’s ideal for retailers, professional offices, clinics and surgeries needing protection for stock, equipment and liability.
What's the difference between this and commercial combined insurance?
Commercial combined insurance is broader and often used by larger or more complex businesses. Shop, office and surgery insurance is typically aimed at individual premises with packages designed for everyday operations and can be very cost effective.
Can I include cover for seasonal stock increases?
Yes. Retail businesses can include extensions for seasonal stock fluctuations, especially useful over Christmas, sales periods or peak seasons.
Is my shopfront glass and signage covered?
Yes. Most policies can include cover for fixed glass, windows, signage and shopfront displays, protecting your business’s public-facing elements.
Does this cover business interruption?
It can. Business interruption insurance helps you recover lost income and manage ongoing costs if you’re unable to trade due to an insured event such as fire, flood or major damage.
I run a medical or dental surgery. Can I insure specialist equipment?
Yes. We can include cover for medical equipment, computers and other specialist devices within your surgery insurance policy.
Is cash on the premises insured?
Yes. Policies can include money and assault cover, protecting cash held on site or in transit, and offering some protection for staff in the event of a robbery.
What liability cover is included?
Policies typically include employers liability, public liability and product liability, helping cover claims from staff, visitors or product-related incidents.
Can you arrange cover if I rent rather than own the premises?
Yes. If you lease the property, we can still cover your contents, stock and liabilities. The building itself would usually be insured by the landlord, but we’ll check what’s needed.
Do I need employers’ liability insurance?
You must get employers’ liability (EL) insurance as soon as you become an employer – your policy must cover you for at least £5 million and come from an authorised insurer.
The definition of an employee is someone who has a contract with you. In the contract, their role, responsibilities and pay are clearly defined. The contract usually states the work hours, obligations, holiday allowance and other employee benefits. In other words, an employee works under your control and direction, and you are contractually obliged to provide them with regular work and pay them a salary. You still need employers ‘ liability insurance, even if your staff are part-time or temporary. If you are unsure, please contact our office and we can discuss in further detail.
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Other Insurance Options
Commercial Insurance
Business Insurance and Combined Business Cover
Construction Insurance
Tradesman and Professionals Insurance
Shops, Offices and Surgeries Insurance
Leisure and Hospitality Insurance
Professional Indemnity Insurance
Motor Fleet Insurance
Motor Trade Insurance
Cyber Insurance
Directors and Officers Insurance
Engineering and Plant Insurance
Commercial Motor and Van Insurance
Marine / Cargo Insurance
High Net Worth Insurance
Trusted Dorset Insurance Broker
We’re a truly independent Dorset broker offering real advice, not scripts. offering tailored insurance quotes across Bournemouth, Poole, Weymouth, Dorchester and beyond. Whether you need personal, property or business cover, we deliver clear advice and a personal service every step of the way.
Contact Us
Let’s make your insurance work harder for your business. Drop us a message, give us a ring, or pop into our Bournemouth office—we’re always happy to chat.
Phone: 01202 778 000
Email: email@chubbthomas.co.uk