Looking for commercial surgery insurance?

MDDUS has chosen to work with NPA Insurance (NPAI), part of The National Pharmacy Association (NPA), to offer commercial surgery insurance that will incorporate NPAI's standard cover in addition to a package of various other covers if your building is occupied for commercial purposes. This includes Employer’s Liability, Business Interruption and Public Liability.

Suitable for medical and dental practice owners and groups, an NPAI policy is valid in the United Kingdom, Channel Islands and the Isle of Man.

Should you wish to purchase, as an exclusive benefit of MDDUS membership, members can take advantage of a 5% discount on their policy cost.

Please note that any reference to ‘we’, ‘us’ and ‘our’ is to NPAI, the insurer for surgery insurance.

Contact us

What's covered with NPA Insurance

  • Property Damage – All Risks
  • Contents
  • Business Interruption
  • Employer's Liability
  • Public & Products Liability

MDDUS Surgery Insurance Policy Features

Damage to trade contents, stock and buildings, including accidental damage Yes                                                                                       
Trace and access Yes
Business interruption: with options to choose your own cover or default sums insured Yes
Damage to glass Unlimited
Assault Yes
Access to 24-hour emergency glaziers
24-hour emergency and claims helpline
Employer’s liability
£10,000,000 (including costs)
Building insurance Optional
Money Yes

About NPAI

Founded over 100 years ago, NPA Insurance Limited is a wholly owned (100%) subsidiary of National Pharmacy Association (the NPA), an FCA registered intermediary (registration number 314360). NPA Insurance Ltd, registered address: Mallinson House, 40-42 St Peter’s Street, St Albans, Herts, AL1 3NP is authorised by the Prudential Regulatory Authority and regulated by the Financial Conduct Authority and the Prudential Regulatory Authority. Our Financial Services Register number is 202069. You can check this on the Financial Services Register by visiting the Financial Conduct Authority website or by contacting the FCA on 0800 111 6768.

Contact us


If your commercial surgery insurance is not due for renewal yet then please tell us when you would be looking for an NPAI quotation and we will be in touch with you nearer the time.  

If you would prefer to speak to one of our team before, during or after your application, please email or call 0330 3141580.

Commercial surgery insurance reminder

MDDUS Surgery Insurance Policy Information



Our ethos is to provide indemnity products which stay true to the MDDUS Group's “not-for-profit” status. That means that any profit earned by the  MDDUS Group is re-invested so that we can continue to put the needs of our members before financial gain.

Find out more