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Business insurance for your surgery

Finding the right business insurance for your surgery can sometimes be challenging and time-consuming. As a business owner, you can’t do your job properly without knowing you’re covered if things go wrong at your surgery. That’s why we’ve made it simple for you to compare insurance cover to find the right insurance to protect you, your business, your patients and the public.

We can arrange insurance for a wide range of surgeries and clinics, from doctors and dentists through to complementary therapy. We understand that running a surgery carries unique risks for everyone involved, from staff to patients to suppliers. But, whatever type of surgery you run we can arrange the right cover to protect your business.

If you’d like advice we’re on hand to provide expert surgery insurance recommendations over the phone. Alternatively, if you know the cover you need for your office or surgery, you can get a quick and simple online quote from a panel of trusted insurers in minutes.

Why choose us?

  • Compare insurance quotes
    Right cover, right price
  • Protect your business online
    It's simple and hassle free
  • Expert advice in just one call
    Insurance tailored to your needs
  • Monthly payment options available
    Your business, your budget
  • Excellent customer service rating 
    Rated 4.6/5 based on 192 Feefo reviews

Start your insurance quote:

For advice:   
Request a call back

Frequently asked surgery insurance questions

What is surgery insurance?

Surgery insurance covers a range of risks to suit a variety of medical organisations.  Designed for surgeries, clinics and healthcare offices, a surgery insurance packages includes a range of covers to protect you against unforeseen events that could leave you exposed to claims or interrupt your ability to practise.

Your daily activities may vary from one day to the next, and each day will present a host of new challenges to overcome. Having the correct clinic insurance allows you to focus on your work and devote your attention to your patients, meaning you can work without worry.

What types of surgeries can be insured?

We can arrange suitable cover for many types of clinics and surgeries, including:

  • Osteopaths
  • Chiropractors
  • Physiotherapists
  • Dentists
  • Doctors
  • Psychiatrists
  • Veterinary practices

For more information about specific surgery insurance products, see our care and medical insurance section.

What insurance covers do I need to protect my surgery?

As a practitioner or practice manager, it’s essential you have the right surgery or clinic insurance cover in place to protect your contents and specialist equipment in addition to having the right cover to protect you, your employees and patients. When deciding what insurance and covers you need to protect your business, you should consider the following...

Surgery covers to consider:

We understand how important it is to ensure your surgery is protected and we can advise you on the covers that are most suitable for your business.

How much does surgery insurance cost?

The cost of surgery insurance depends on a variety of factors, such as:

  • The location of your business
  • Business size and turnover
  • The location of your business
  • Business size and turnover

To find out how much surgery insurance will cost, our expert advisors are on-hand to discuss your requirements and can compare quotes from many trusted business insurers.

Surgery insurance covers explained

Public liability insurance

Public liability cover as part of your surgery insurance will typically protect your clients, suppliers and other members of the public against accidental injury while visiting your surgery. This means that if someone tripped and injured themselves, any compensation awards will typically be covered by your clinic insurance.

Employers’ liability insurance

If you are an employer, you will need to include employers' liability cover in your surgery insurance. This can protect you in the event that an employee injures themselves at work, and again can cover any compensation awarded as well as legal costs.

Building and contents cover

Typically, surgery business insurance would include cover for surgery building premisescontents, specialist equipment and can also be extended to cover medical supplies as well. Most surgery insurance policies will typically cover against a number of insured events, including fire, theft, flood and storm, and many other perils.

Business interruption insurance

If you suffer damage to your premises as a result of an insured event that means you are unable to practise from your surgery, business interruption cover can safeguard your profit and cover your business expenses while you get back up and running. It can also provide cover to let you open temporarily from another premises while you get back on your feet.

Surgery Specialist equipment cover

In addition, you may require additional insurance to cover specialist surgery equipment against breakdown, and some of your equipment may need inspecting annually. We can arrange this engineering inspection cover for you to ensure you have protection for your business.

Commercial legal protection

Commercial legal protection could offer cover for the costs relating to unforeseen legal action that may be brought against you for things like property, contract or employment disputes that may arise within your surgery.

Cyber and data insurance

At your surgery, access to your computer system will be very important to your business. You may hold personal and confidential data about your patients, suppliers or even your employees on your computer. With this in mind, you might want to consider cyber liability insurance, which is designed to support your business if your systems are compromised by things like malicious hackers who may cause damage or restrict access to the information you hold. Our advisors are on hand over the phone to discuss your cyber liability insurance requirements.

Additional covers to consider

We can also help to source complementary insurance products for your surgery, such as or directors and officers Insurance, business emergency cover or medical malpractice simply give us a call to arrange any of these.

Surgery insurance with Premierline

It’s simple to get a no-obligation quote and start protecting your business today. Let our business insurance specialists arrange the cover you need to support your surgery. For advice call today or if you know the insurance cover you need and don't require advice, simply compare surgery insurance quotes online.


As a customer you'll get exclusive access to our Business Toolkit with resources from the experts and our Retail Rewards with discounts on big name brands.

Start your insurance quote:

For advice:   
Request a call back

"I’ve used Premierline for my work insurance for a few years now. They always find me such competitive prices. As a small business owner I really couldn’t afford the prices when I looked online myself especially after having had no work for 7 weeks when Covid-19 first hit. So it was a huge relief to find a policy I could afford and be ready for when work started to pour in."

Mrs Bridger, Cleaning Contractor, Devon (Customer since April 2017)

"I rang Premierline just to check other insurance offers, after my sky high renewal from my previous insurer. The adviser was friendly and very easy to understand and talk to and he got me a fantastic deal. Very happy.”

Mrs McCall, Pet Shop, North Shields (Customer since January 2021)

"Overall, Premierline offered a great service in securing my annual Professional Indemnity insurance. It was a very simple process and everything was explained well."

Mr Jones, Marketing Consultancy, Manchester (Customer since September 2021)