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Surgery insurance


Call us free
8am-8pm (Mon-Fri)
9am-12:30pm (Sat)


We understand how important it is to ensure your surgery, drugs and equipment are protected against the unexpected, whether you're a doctor, dentist, vet or physiotherapist.

That’s why we have an experienced team of surgery insurance specialists to work with you to help tailor your insurance to make sure you have the right cover. So you have the right level of insurance to protect your business.

Surgery insurance features

NFU Mutual's surgery insurance offers many features and benefits to help protect your business. The following features are just a few examples, if you want more information please view the full policy document:

  • Standard business cover
    commercial all risks cover, subject to specific exclusions
  • Public and product liability cover
    up to £2.5 million Public and Product Liability and up to £10 million Employers' Liability cover as standard
  • Loss of income cover
    up to £1.5 million loss of income cover, in the event of interruption to your business

Limitations and exclusions apply. To learn more about our surgery insurance cover you can view the policy document or contact your local branch.


The Employers’ Liability Tracing Office (ELTO)

The Employers’ Liability Tracing Office, (ELTO), has been created by the insurance industry to aid those who have suffered an injury or disease in the workplace, and would like to register a claim with the insurer of the time.

To make the tracing process easier, ELTO are requesting the Employer Reference Number (ERN) from all businesses with Employers' Liability insurance.