Professional premises need professional cover
Whether you run an office, surgery, clinic or consulting room, your premises insurance needs to reflect how your business actually operates — not just the building itself. We arrange cover for the property, its contents, your liability to visitors and patients, and the income you'd lose if you couldn't trade.
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Professional premises specialists · Mon–Fri 9:00–18:00
Premises specialists · Mon–Fri 9:00–18:00
Who We Insure
Office-Based Businesses
Professional services, consultancies, and corporate offices. Full property, liability, and business interruption protection.
Medical & Dental Surgeries
GPs, dentists, and specialist clinics. Insurance that understands healthcare premises and regulatory requirements.
Professional Consulting Rooms
Therapists, accountants, lawyers, and sole practitioners. Tailored cover for smaller professional premises.
What We Cover
Buildings & Contents
Full protection for your premises structure, fixtures, fittings, furniture, equipment, and stock against named perils.
Public Liability
Cover for legal liability if a visitor, patient, or member of the public is injured at your premises and claims damages.
Professional Indemnity
Essential for healthcare and professional advice providers. Cover for negligence claims arising from professional work.
Business Interruption
Protects your profit and fixed costs if you cannot trade due to an insured peril affecting your premises.
Equipment Cover
Specialist cover for medical, dental, or professional equipment—including loss of use and costs of reinstatement.
Cyber & Data Protection
Cover for data breaches, ransomware, GDPR fines, and business interruption caused by cyber incidents.
Why Choose Forum
Premises Specialists
We've insured thousands of offices, surgeries, and consulting rooms. We understand your premises and risks.
Medical & Dental Expertise
Our team specialises in healthcare insurance. We know what cover you need and what regulators require.
Tailored Programmes
No templates. We build insurance around your specific premises, staffing, equipment, and operations.
Claims Support
When you need to claim, we support you from notification through to settlement. Your advocate, not just your broker.
Common Questions
Quick answers to the questions we hear most from offices, surgeries, and professional premises.
Buildings insurance covers the structure of your premises, including walls, roof, permanent fixtures, fitted kitchens, and bathrooms. Contents insurance covers your moveable property such as furniture, equipment, computers, and stock. Both are typically underwritten on an "all risks" basis, meaning we cover loss or damage from accidental causes unless specifically excluded.
Public liability covers injury to visitors at your premises or claims for property damage. Professional indemnity covers claims arising from the professional advice or services you provide. If you deliver professional services—such as medical treatment, dental work, legal advice, or accounting—you'll almost certainly need both. We can advise on the specific cover you require.
Specialist equipment like imaging machines, sterilisers, or dental chairs can be insured under contents cover or via dedicated equipment policies. We can arrange cover that includes replacement cost, loss of use (if the equipment fails), and professional fees to reinstate or recalibrate the equipment once repaired.
Business interruption (or loss of profits) insurance reimburses you for profit and fixed costs if you cannot trade following an insured peril—such as fire or flood damaging your premises. If your business income depends on physical access to your premises, this cover is essential to protect your cash flow during recovery.
Key factors include property location and construction, claims history, number of staff, annual turnover, types of equipment, security measures, and claims history. Healthcare premises may also consider accreditation, infection control protocols, and complaint history. We review all these factors to find you competitive terms.