If the surgery premises are owned by the partners and are free of mortgages, you decide whether you want/need this type of cover. However, if you have a mortgage on the surgery premises some lending sources may want this type of cover included alongside your normal surgery insurance buildings and contents cover.
To put this into perspective, more than 90% of our clients do not have full terrorism cover. For those that do it is split between cover required by lenders or by a contract of service agreement, leaving a small percentage who take it out for peace of mind.
