Home Business Insurance

Specialist home business insurance that offers you cover and benefits for your home and business combined.

Whether you're a tutor or a child minder, we will take the time to understand your business personally, tailoring a home business insurance policy with exactly the type and levels of cover that you need - including buildings and contents and property owner's liability.

0344 346 3259
01206 780 489 Weekdays 9am - 7pm, Sat 9am - 1pm
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Features

Home business insurance features

  • Buildings and contents cover

  • Property owners liability with a £2 million limit of indemnity (option to increase to £5 million)

  • Office equipment up to £3,000 (can be extended right up to £unlimited)

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.

Exclusions

Home business insurance exclusions

  • The first £100 of each and every claim (standard excess)

  • The first £250 of each and every claim for escape of water

  • The first £1,000 of each and every claim for subsidence/heave/landslip claims

  • Loss or damage should your home be unoccupied for more than 60 consecutive days

  • The cost of everyday maintenance work

These are just some of the key exclusions/limitations, full details will be found in policy wordings.

FAQs

Home business insurance FAQs

Would I still be covered for theft under this policy?

Yes. As long as there is forcible entrance into or exit from your property, you will be covered

What excess do I have to pay on this policy?

You can choose an excess from £100 to £250. If you go for the higher amount, this will reduce your premiums. Speak to one of our helpful advisors for full details

How many business visitors do you allow each week?

You will be covered for up to ten visitors each week. This is not applicable if you are running a child minding business. Please see policy wording for full details.

What do I do if I need to cancel my cover?

You are entitled to a full refund of the premium paid if you find the policy unsuitable for your needs and cancel it within 14 days of receipt of your policy documents (as long as no claims have been made). If you need to cancel your cover you will be charged relevant administration costs for setting up the policy.

Please call us or notify us in writing with the reason for cancellation and state the date from which you need cover to cease. Remember, if your policy is in more than one name, all policyholders will need to sign the letter. If you have any other queries please don't hesitate to contact the customer services team on 0344 892 1750.

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.

Claims

Home business insurance claims promise

With Towergate you can be confident that, in the event of the worst happening, your claim will be handled by a dedicated claims team offering the exemplary, fast and efficient service that we expect from our own teams and from our partners.

Simply contact the home business claims team using the details within your policy documents, or call us on 0344 892 1384 and we will put you through to the claims team. They will talk with you about your claim, guiding you through your next steps and taking you through the process.

Furthermore, if you feel you need additional support or if you have concerns about the progression of your claim, our in house team are always on hand to help.

Documents

Home business insurance policy documents

0344 346 3259
01206 780 489 Weekdays 9am - 7pm, Sat 9am - 1pm
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