Avoid under-insurance with this safety net feature. Put simply, it protects you in case the real cost to replace your building or contents is higher than the amount you insured for.

With full Replacement Cost cover you won't be 'caught short' when it comes to making a claim. Read more about this feature.

Additional benefits include cover for customers goods, personal items, hire equipment, fire extinguishment costs, flood (up to 20%), landscaping, contents stored offsite, and more.

For accidents that cause damage to building and contents.

One of the least understood but most essential covers. It covers your business in the event of disruptions caused by insured damage, prevention of access, disruption to utilities etc. It covers against loss of income and rent plus increased cost of working and claims preparation expenses.

In the event of a claim, will you require cover for the value of accounts receivable which you are unable to recover? What about the cost of restoring practice documents?

An important cover for rehabilitation providers, this not only provides cover to replace equipment that breaks down, it also includes cover for electronic data reconstruction, hire of substitute electronic data processing equipment and cover for temperature controlled goods.

Cover for loss or damage caused by burglary to your practice contents (including cover for contents stored at an alternative premises), loss or damage to your customers goods and damage to your practice premises. We also provide cover for replacement of locks and keys.

Covers both internal and external glass including; replacement of sign writing, removal and refitting of fixtures and fittings and frames for signs.

We will cover the repair or replacement of your property when it's in transit or off-site.

The additional benefits of cover include; claims preparation expenses for professional fees incurred and for loss incurred where you are unable to identify the specific employee responsible.

Includes cover for money on the premises outside business hours not kept in a safe and money belonging to your employees.