With all risks, buildings and contents covered, you'll benefit from automatic insurance for business interruption, goods in transit, liabilities and legal protection.
And tailored to your business uniquely with extensions including professional & charity trustees indemnity, personal accident, engineering and more.
All risks cover for property and contents
Theft
All risks business interruption
Money and assault
Damage to and breakage of internal and external glass
Goods in transit in the UK
Employer's liability
Public and products liability
Legal protection, covering costs and expenses up to £250,000 for your employees and volunteers
Loss of registration certificate
Loss recovery insurance
Option to include professional and/or charity trustees indemnity
Optional personal accident and travel
Engineering extension
Computer breakdown cover option
Optional medical malpractice insurance
Option to include fidelity guarantee cover
Event fundraising cover
Personal or fleet motor extension
Loss of excess insurance option
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.
Property Damage
Gradual deterioration or wear and tear
Operational error or omission on the part of the insured or any employee
Employer's Liability
Any work undertaken in, on or travelling to any offshore accommodation
Liability exceeding £5 million caused to or by or arising from war, civil war, terrorism
Public and Products Liability
Personal injury to any employee
Property belonging to the insured
Money and Assault
Shortages due to clerical or accounting errors
Loss of money from unattended vehicles
These are just some of the key exclusions/limitations, full details will be found in policy wordings.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.
By working together with our customers and industry professionals we have developed a policy that has the specific needs of a charitable organisation at its heart. We pride ourselves in our personal touch and from choosing the correct policy through to making a claim our expert team will be on hand to offer impartial advice and support at all times.
Our highly experienced in house charity insurance claims team of six people have a combined experience of over 40 years and are on hand Monday to Friday to support you.
In the event of the worst happening, please call us on 01438 739731 and we will talk with you about your claim, guiding you through your next steps and taking you through the process. Your claim form can be downloaded here) and you will find email and postal address details in your policy documents.
In line with our service pledge, we will act within 24 hours of your new claim being notified to us, and within five working days of any new information on your existing claim, to ensure that your claim is settled as quickly as possible.
And when your claim is settled we will ensure speedy payment, by BACS straight into your bank account or by CHAPS to the supplier.