Covers you against civil liability claims for:
*Home business insurance – Do you practice from home or have an office? You may be required to up-date your home insurance policy to account for any business activity. We can provide specialist home insurance for therapists or advise you of your options, in addition to your professional liability policy as required.
Employers’ liability cover – Do you have employees? Employer’s liability insurance is a legal requirement and is designed to protect your staff for injury or loss whilst performing their job. We can include this cover simply and easily.
Member of a professional body?
Many professionals can receive preferential rates as members of a professional body. Let your advisor know which organisations you are a member of and see what discounts you could receive.
Prefer to spread the cost of your policy?
Paying by direct debit is an affordable and convenient way to pay for your policy. Through our preferred provider, Premium Credit Limited (PCL)*, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments.
To find out more about PCL and direct debit payments, select Direct Debit.
*To understand more about how PCL work together with Towergate, please read our Regulatory Information.
The policy is designed to cover any civil liability arising from your business activity - but there are a few specific exclusions:
Exclusions will change depending on your profession and your advisor will take you through these during the quotation process. This list of exclusions is a summary and is not a full list of all exclusions that may apply.
We do offer loss of income and business interruption insurance as well as various other business insurances but not as part of this package. If you require any of these covers we can provide them via our business insurance department, one of our advisors will be able to advise you further.
As every profession is open to different risks and claims they are unforeseeable events and it’s not possible for us to safely recommend any level of cover. Our best advice therefore is to select the highest amount of cover you can reasonably afford. We can however offer full flexibility on your policy meaning that if you need to raise or lower the level of cover at any time we can accommodate this easily.
You may want to consider run-off cover to provisionally cover you against any claim made against you for work done while you were practising. Our advisors will be able to set this up for you at the end of your policy.
Depending on what you are studying and if you are practising you may want to protect yourself against claims. As everyone’s situation is different and claims are unforeseeable we can’t advise either way but would suggest that even though liability and indemnity insurances are not legal requirements you should not leave yourself vulnerable if you think you could be open to a civil liability claim against you. Some member organisations will recommend a specific level of cover, so you may wish to check this if you are a member of a professional body.
This policy is designed to cover the practitioner not a business or property. If you require these extra covers we can simply provide them at the same time with a business or home insurance policy which will offer the relevant cover for your stock, cash and premises etc.
Being self-employed or running a small business can be very tricky and the last thing you need to worry about is your insurance. At Towergate we’re here to advise through every stage from setting up a policy to making a claim.
Therefore, if you have any reason to suspect you might be entitled to a claim or someone has raised an allegation or claim against you, contact us through any convenient means and we can talk you through the best course of action. It’s important during this time to follow these simple rules:
We’re here we to work with you. So in the event of any incident, even if you not sure it will result in a claim, contact us immediately. It won’t prejudice your policy to do so and letting us talk you through your options step by step will give you the peace of mind to focus on the important parts of running your business.
Based on 50 independent customer reviews.