Summary of cover

Nationwide offices & surgeries insurance is provided by Liverpool Victoria Insurance Company Limited (LV=).

Nationwide offices & surgeries insurance offers great cover for your business. Please look at the table below to see a summary of the main offices & surgeries insurance cover limits. For more details and the full terms and conditions, please read the policy information.

Summary of cover

Cover	Limit of cover	Excess
Material Damage
Glass	Glass within sum insured / Inner limit of £2,500 for Sanitary ware	£250
Underground Services	Limited by the insured's liability	£250
Theft Damage to buildings (if buildings are not insured)	£25,000 total per year	£250
Landscaped Gardens	£5,000	£250
Metered Water	£5,000	£250
Trace and Access	£5,000	£250
Theft of Keys/Lock replacement	£1,000	£250
Temporary Removal	The lesser of 10% Sum Insured/Max £100,000	£250
Exhibitions	£2,500	£250
Other locations	£2,500 any one/£10,000 total per year	£250
Third party storage locations	£5,000 any one loss/£20,000 total per year	£250
Clearing of drains	£5,000	£250
Fire Extinguishment Expenses	£5,000	£250
Glass Signs	Within Sum Insured	£250
Index Linking	*See note below	N/A
Money	£3,000 with option to increase	£100
Theft by Employees	£10,000	£250
Goods in Transit	£3,000 with options to increase	£100
Business Interruption
Loss of revenue	£250,000 with options to increase	£250
Indemnity period	24 months with options to increase	£250
Premises Closure	£25,000	£250
Suppliers	£25,000	£250
Denial of Access	£100,000	£250
Public Utilities	£100,000 (30 minute minimum failure)	£250
Telecommunications failure	£100,000 (8 hour minimum failure)	£250
Property in Transit	£25,000	£250
Documents away from premises	£25,000	£250
Storage Sites	£25,000	£250
Contract Sites	£25,000	£250
Equipment Breakdown	£500,000	£250
Loss of Contents of Oil Storage Tanks	£5,000	£250
Loss avoidance measures	£5,000	£250
Refrigerator contents	£15,000 Foodstuff / £5,000 Drugs and Medicines	£250
Public & Products Liability	£2,000,000 standard / options up to £5,000,000	£100
Legal Expenses Sub-section A (see policy document) All other	£100,000 Any one claim / £1,000,000 in total per year	£250 Nil
Employers Liability	£10,000,000	Nil
24 hour Legal Helpline	N/A	N/A

* This applies at each renewal. The sums insured for buildings and contents are increased in line with indices chosen by LV=.

Summary of optional cover

Optional Cover	Limit of cover	Excess
Terrorism	Chosen by you	Nil
Lamps, Signs and Nameplates	Select sum insured	£250
All Risks portable property	Chosen by you	£250
Subsidence	Chosen by you	£1,000

Interested?

Other ways to apply

0800 756 8951

Summary of cover

Summary of cover

Summary of optional cover

Other ways to apply

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