'Package Insurance' policies are designed for offices, surgeries, retailers, restaurants and public houses and offer a package of covers automatically included for a single premium. The main elements of the cover are:

Material Damage - Retailers can add deterioration of stock cover to protect against the loss or damage of frozen or chilled goods due to power interruption; comprehensive cover for your equipment and drugs, even when you are working away from your practice.

Business Interruption - If your office, surgery or shop, or its contents are damaged, you will be covered for loss of income and / or increased costs until things get back to normal

Money & Book Debts - particularly important if you take in large sums of cash either on the premises or on your person to the bank / home; if your business records are lost or damaged.