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Office/Surgery Insurance

Get the right insurance cover for your office or surgery

RAC Office & Surgery Insurance is provided by Brightside Insurance Services Ltd. Products supplied by a panel of insurance companies. Details available on request.

Protect your business with RAC Office & Surgery Insurance

Running an office or surgery is a challenge, and one that shouldn’t be entered into without the right insurance. The office insurance provided by our trusted partner Brightside is designed to protect your business premises and contents. It also covers your duty of care and responsibilities to both employees and members of the public. If they are injured or their property is damaged whilst they are on your premises, then office insurance is designed to protect your financial position in the event of a claim for compensation.

Surgery Insurance

Therapists and medical practitioners face unique challenges and have very specific requirements when it comes to insurance. RAC Surgery Insurance is fulfilled by our expert partners and tailor-made specifically for doctors, dentists, opticians, vets, and alternative therapy practitioners. We offer a wide range of cover, from building insurance to business interruption right down to legal expenses and deterioration of vaccines.

You can find bespoke office insurance and surgery insurance packages containing a range of business-specific insurance, including:

  • Employers’ Liability

Protects your legal responsibility for accidental death or bodily injury caused to your employees arising out of activities connected to your business.

  • Public Liability

This covers your legal responsibility for any injury caused to members of the public or damage to their property as a result of your or your staffs’ actions. Most office insurance packages include cover of up to £2,000,000 as standard, but higher limits are available if required.

  • Contents

Covers loss or damage to your contents on an 'all risks' basis.

  • Business interruption

If your business is unable to operate it can quickly impact your bottom-line figures. Business interruption insurance provides financial assistance for an agreed period of time to cover business overheads whilst your normal business operations are interrupted after a fire, flood or other insured event.

  • Money including personal accident (assault)

Covers theft of money from your premises or whilst in transit to or from your bank.

  • Products liability up to £2,000,000

Protects your legal liability for injury or damage caused to the public arising from the supply of goods in connection with your business.

  • Glass

Provides cover for the replacement of broken or damaged glass caused to your business including shop front windows and glass in display cabinets.

Bespoke commercial insurance policies may have limitations and exclusions. Please make sure you read all the documentation as soon as you receive it to confirm you’re happy with the cover provided.

Why choose us?

It can be difficult to make sure your office insurance is up to date. We know you’re busy trying to run your business, so the bespoke office insurance packages provided by Brightside are simple, cost-effective and offer you the cover you need with none of the hassle you usually associate with insurance. You get access to:

  • tailor-made policies designed to suit your individual business
  • UK business centre for fast, effective advice
  • immediate cover
  • fast and friendly service from highly trained and expert staff
  • cover available for sole traders, small and medium-sized businesses.

Optional extras

To make sure you get a truly bespoke office insurance package, you’ll also find a selection of extras to give you even greater peace of mind. These include:

  • legal expenses
  • Goods in Transit – protects against loss or damage to goods whilst in transit throughout the UK
  • option for “all risks cover” for medical equipment
  • additional cover for refrigerated drugs and vaccines

All cover is subject to insurers’ underwriting criteria and full terms and conditions, which are available on request.


You have a legal obligation (as a buyer of commercial insurance), to disclose information before entering (or changing) a contract of insurance. We call this your duty to make a Fair Presentation of Risk.

It means that when you seek insurance, you need to volunteer and disclose all material information that is known by you (or should be known by you), which an insurer would want to know when it’s deciding whether to offer insurance cover and, if so, on what terms and at what price.

You need to make sure that facts are correct or substantially correct, and statements of expectation or belief are made in good faith.

Get in touch

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Get a quote

To get a quote, click below and tell us a little bit about your Business Insurance needs.