Our wide client bases spans every trade within construction and as such we have a wider knowledge of the risks faced by our customers.
We can provide cover across a range of construction industries:
House builders
Property developers
Project managers
Civil engineers and ground workers
Mechanical and electrical contractors
Scaffolding and roofing contractors
Demolition contractors
Joinery manufacturers
Waste disposal and site remediation
Quarrying and aggregates producers
We can search the market to find you a policy that offers key features such as:
Public and products liability
Construction all risks
Engineering all risks
Advance loss of profits/delay in start-up
Bonds and guarantees
Professional liability
Environmental liability
Single projects
Latent defects
The right cover for your business
Our aim is to thoroughly understand our clients business and typically our service includes risk identification and assessment, contract reviews, programme audits and design, industry benchmarking, site surveys, health and safety consultancy and claims management.
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.
We currently only offer cover to businesses registered in England, Scotland, Wales, Northern Ireland, The Channel Islands & The Isle of Man
In the event of a claim - an excess may be payable. This will be prearranged and confirmed during the quotation period and will be subject to your requirements.
We will search the market for a policy that works best for your construction business. All of our customers have individual needs and therefore we can account for any specific policy features or exclusions that may not work for you. We can work with you to find the correct balance that means you get the best cover possible.
These are just some of the key exclusions/limitations, full details will be found in policy wordings.
Some general policies could contain inadequacies that would leave your business uninsured in the event of a major loss. Therefore, you may wish to protect your company with a construction industry specific policy.
Yes, both types of employers are covered for the same risks although it is very important you declare how your workforce are employed as it will affect how your risks are calculated.
It is an important factor and we only use insurers with A-ratings. It measures an insurer's financial situation and allows you to predict their ability to meet on-going policy obligations. Also there are a number of main contractors that will not sub contract works to any companies not insured with an insurer with a minimum of an A- financial rating (as determined by such companies as; Standard & Poor's, A M Best, Moody's or Fitch Ratings) By not having a financially secure insurance policy in place you could potentially be restricting your business and the contracts you can take on.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.
We offer a collaborative approach to your insurance review and management, not just at renewal but throughout the year. Working closely with you on a proactive basis, we will gain a comprehensive knowledge of your business and what you need from your insurance.
Should the worst happen we will be there to manage your claim and ensure a prompt and fair settlement. We know your time is valuable which is why our experienced team will strive to finalise your claim as quickly as possible.
Please call us on the number found in your policy documents between 8.30am until 5.30 pm Monday to Friday. Our customer advisors will talk with you about your claim, guiding you through your next steps and taking you through the process.