Seasonal Increase Cover for Refrigerated Stock

Dec 10, 2025

Stay Fully Protected During Your Busiest Months

As the year draws to a close, many surgeries see a surge in patient activity and with it, a rise in temperature-sensitive medical supplies. Vaccine stock levels often peak between September and December.

To help you stay protected when it matters most, your policy includes a built-in Seasonal Increase.

Your Refrigerated Stock Sum Insured automatically increases by 25% during September, October, November and December.

Why This Matters for Your Practice

More stock means greater exposure. A single equipment breakdown or temperature fluctuation can lead to costly losses and operational disruption. This automatic 25% uplift ensures your insurance keeps pace with your real-world needs protecting your refrigerated medical supplies during your busiest period.

No Extra Steps. No Extra Cost. Just Extra Protection.

You don’t need to update your policy or notify us the increased protection activates automatically. It’s simply part of the enhanced cover we arrange for our clients.

We’re Here to Keep You Ahead of Risk

As your specialist insurance broker, our priority is ensuring your surgery has the right protection in place year-round. If your stock levels are growing beyond the seasonal uplift our team can help you adjust your cover. Unlike standard policies, you don’t need to notify us or adjust your cover the uplift activates seamlessly.

Want to Make Sure You’re Fully Covered?

Get in touch with us today for a review of your surgery insurance. We’ll ensure your policy evolves with your practice and continues to offer strong, protection exactly when you need it.

Related Practice Cover Articles

national insurance day

Happy National Insurance Awareness Day!

Today is a great opportunity to recognise the important role insurance plays in protecting healthcare professionals, practices, and businesses across the UK. From GP surgeries and dental practices to veterinary clinics and allied healthcare providers, having the right...

read more...
work experience insurance

Taking on work experience students this summer?

Have you checked whether they’re covered? Many GP dental and Veterinary practices are keen to offer work experience placements to students who are exploring careers in healthcare. Providing these opportunities is a valuable way to help young people gain insight...

read more...
locum reimbursement

Reimbursement Rules Have Changed

If your practice relies on NHS reimbursement for sickness or accident cover, the rules have changed. For many GP practices, managing sickness or accident absence has always involved a bit of practical juggling. Someone picks up an extra session. An ANP stretches their...

read more...