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 anytime you take on an employee.
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.
At Towergate we’re here to support and advise at every stage from setting up a policy to making a claim.
Therefore, if someone raises an allegation or claim against you or if you have any reason to suspect that this might happen, contact us for expert advice. Our 24 – hour helpline means you have immediate access to qualified professionals who can talk you through the best course of action.
We’re here we to work with you. So in the event of any incident, even if you’re 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 785 independent customer reviews.