PPS GI Surgery Insurance

Trying to control the ever increasing costs of running a practice is always an uphill struggle and at PPS GI we recognise the need to reduce as many of your overheads as possible.

Our Surgery insurance policy provides veterinary specific cover and is supported by our high level of client service.


Underwritten by Zurich Insurance, the policy can be tailor made to your specific requirements. However, the Zurich policy already provides expansive cover as standard to meet most practice needs, providing peace of mind at extremely competitive rates.

PPS GI will also provide regular cover reviews of your policy to ensure it fully caters for any alterations in your business, plus any changes in legislations.

Zurich is one of the world’s largest insurance groups, with more than 130 years’ experience across more than 170 countries, combining strong life insurance, general insurance and asset management businesses under one powerful brand. They help people save for the future, understand, and hence and manage, the risks of everyday life, protecting millions of customers and what’s important to them. You’ve worked hard to create your business, so you need insurance that works just as hard to protect it.

Find out more about Zurich, who they are and what they do at https://www.zurich.co.uk/en/about-us/

Policy Features & Benefits


  • Covered on an “All Risks” basis, including accidental breakage of fixed glass or sanitary ware
  • Property Owners’ Liability limit of indemnity of £5,000,000
  • Tenants Improvements cover, should your building be leased
  • Loss of rent due to damage – receivable if you own the building


  • Covered on an “All Risks” basis – no need to specify items taken out of the Practice
  • Employers’ Liability to a limit of indemnity of £10,000,000
  • Public & Products Liability to a limit of indemnity of £5,000,000
  • Money in transit, in the premises during business hours and in any bank night safe covered to £7,500
  • Money in a safe outside business hours covered to £5,000
  • Deterioration of Refrigerated Stock covered to a minimum of £7,500 for any one appliance
  • Domestic contents at the business premises owned by the Practice covered upon request
  • Animals in custody & control covered to a maximum of £25,000 any one animal, £50,000 for any one event in total – can be increased upon request
  • Computers covered to a minimum of £20,000 with additional cost of working & reinstatement of data included
  • Business Interruption up to £4,000,000 over 24 months
  • Book Debts covered to £100,000 – can be increased upon request
  • Fidelity Guarantee covered to £50,000 any one occurrence
  • Legal Expenses covered to £1,000,000 to include Employment, HMRC & VAT Investigations with Fitness to Practice Representation cover and DAS Legal & Business Solutions. Visit www.das.co.uk for more information
  • Jury Service and Court Attendance Cover included
  • Interest free monthly payments

Optional Covers

  • Terrorism
  • Lorega Loss Recovery
  • ARAG Commercial Assistance

Policy Documents

For Policies incepted or renewed after the 1st of April 2021

Policy Document
**Please note the correct DAS Legal contact number is 0117 9340107. Which differs from the number provided in this policy wording.

Policy Summary

Notice to Policyholders


“We invited PPS GI to tender for our practice insurances as soon as I joined Cinque Ports as the practice manager, as I had used them before and was impressed. Not only was the PPS GI quote far cheaper than our existing cover but was also much more comprehensive and specific to our needs. Since then the knowledge and support provided by the PPS GI team has been faultless. No telephone call centres, nice people and they do what they promise. They come highly recommended.”

Rita Dingwall MCMI CVPM
Practice Manager of the Year 2008
Cinque Ports Veterinary Associates, Tenterden, 
VPMA President 2005 – 2007