Office Insurance / Surgery Insurance: Assumptions


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Office & Surgery - saving you time with your quote

Please ensure that the information provided by you is correct, and you comply with the statements on this page. Should you decide to buy this policy, these details will form the basis of the insurance contract between us. Incorrect information could invalidate all or part of the policy. Under European law you and we may choose which law will apply to this contract. English law will apply unless both parties agree otherwise. Our cancellation and complaints procedure is detailed in the policy documents, where you can also find the details of the 14 day cooling off period.

If your circumstances change between the date you purchase the policy and the date when you require the policy to commence, please call us. Incorrect information could invalidate all or part of the policy.

Mid term adjustments to your policy will result in a maximum amendment fee of £21.00 (including Insurance Premium Tax where applicable) in addition to any premium charged or refunded.

If you decide to cancel your policy during the period of insurance a cancellation fee will apply amounting to 1/12th of your annual premium, up to a maximum of £50.00 (calculated at the time of cancellation, plus Insurance Premium Tax where applicable).

Neither You, nor Your Directors nor Your partners have ever had insurance declined or special conditions imposed by any insurer
Neither You, nor Your Directors nor Your partners have ever been convicted of or charged (but not yet tried) with a breach of any health and safety legislation or any other criminal offence other than a motoring offence
Neither You, nor Your Directors nor Your partners are subject to an outstanding County Court Judgement (or the Scottish equivalent).
Neither You, nor Your Directors nor Your partners are subject to bankruptcy or insolvency orders which are either outstanding or have been discharged for less than 5 years
You have not had more than 4 claims in the last 3 years
The walls of the buildings are built solely of brick, stone, or concrete
The roof of the building is built of slates, tiles, asphalt, concrete, metal, other incombustible materials
The buildings are heated only by low pressure hot water apparatus, or fixed gas or electrical appliances
The Premises do not require any repair or refurbishment to make them secure or water tight and will be so maintained
The buildings are only occupied as offices or surgeries or a combination of offices, surgeries and private dwellings
You have sole control over all doors and windows that access your premises or your portion of the premises
The level of security at your premises meets our minimum security requirements
Your business does not involve visits to offshore rigs or platforms
There are no external automated teller machines at your premises
The buildings are not Grade 1 Listed

Minimum Protections

It is a condition precedent to Our liability, unless otherwise agreed by Us in writing that the following protections be fitted to the under-mentioned doors, windows and other openings (where these are under Your control) and put into full and effective operation whenever the Premises are closed for business or left unattended:

on timber final exit doors (excluding sliding doors):
1. if single leaf, a mortice deadlock conforming to BS3621 with matching boxed steel striking plate
2. if double leaf
  1. on the first closing leaf flush or barrel bolts, the latter at least 200mm (8'') long, or key-operated locks or bolts, fitted top and bottom in every case
  2. on the second closing leaf a mortice deadlock conforming to BS3621 with matching boxed steel striking plate, or a substantial padlocking bar and good quality close shackle padlock
  3. if single or double leaf and also outward opening, hinge bolts fitted top and bottom
on all other external timber doors, and on internal timber doors giving access to any part of the premises not occupied solely by You or to any adjoining premises (excluding sliding and fire exit doors):
1. if single leaf, a mortice deadlock conforming to BS3621 with matching boxed steel striking plate or key-operated mortice rack bolts fitted top and bottom
2. if double leaf
  1. on the first closing leaf flush or barrel bolts, the latter at least 200mm (8'') long, or key-operated locks or bolts, fitted top and bottom in every case
  2. on the second closing leaf a mortice deadlock conforming to BS3621 with matching boxed steel striking plate, or a substantial padlocking bar and good quality close shackle padlock
  3. if single or double leaf and also outward opening, hinge bolts fitted top and bottom
1. if single or double leaf and also outward opening, hinge bolts fitted top and bottom
on external aluminium or UPVC doors (excluding sliding and fire exit doors):
cylinder operated mortice deadlock and, if double leaf, flush bolts on the first closing leaf
on steel final exit doors and all sliding final exit doors:
substantial padlocking bar and good quality close shackle padlock
on all other steel doors and all other sliding doors (excluding sliding patio doors):
substantial padlocking bar and good quality close shackle padlock fitted externally, or substantial padlocking bar and good quality open shackle padlock fitted internally
on sliding patio doors: a manufacturer's patent key-operated locking system which engages boltwork into the doorframe either at the top and bottom of the opening section of each door, or into the side frame in at least three points (in the latter case all hook or shoot bolts must be mushroom headed)
or
two key-operated patio door locks fitted internally, one at the top and one at the bottom of each opening section
on all fire exit doors:
panic bar, and hinge bolts fitted top and bottom
on opening basement and ground floor windows and fanlights, and on other opening windows fanlights and skylights which are accessible from roofs balconies canopies fire escapes or downpipes:
key-operated window locks with the keys removed when in operation
or
solid steel bars not less than 16mm (5/8'') diameter and not more than 125mm (5'') apart, securely fixed to the brickwork or masonry surrounding the window


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