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Coronavirus help and support for our insurance customers

Mike Stephens FCII, senior commercial insurance director, broker, underwriter and trainer

About Mike

Mike is a respected senior industry professional and Fellow of the Chartered Insurance Institute (CII) with well over 40 years’ varied experience in the commercial insurance sector as a director, underwriter, and operational improvement manager.

He works across the whole spectrum of insurance product and policy development and delivery for commercial clients, including product development; PBAs; policy wording writing; QA for technical and conduct content; risk management; complaint and E&O handling guidance; NPS; and sign off for conduct and technical content. He also provides training for the CII and on general insurance, as well training and implementation of the Financial Conduct Authority (FCA) handbook.

Mike currently works at Towergate as Operational Improvement Manager for the SME insurance division. Towergate is the UK’s leading independent insurance broking platform and forms part of the Ardonagh Group, an international network of over 100 offices and 6,000 people which incorporates leading brands in both Lloyd’s of London and global markets.

He has previously been a Commercial Director for Donald Duncan (Insurance Brokers) and also worked at Cornhill Insurance as a Senior Inspector.


This is a marketing article by Towergate Insurance.

Commercial property insurance articles

Articles by Mike

Best Uk Cities For Gardening For Renters Small

The UK’s Top Cities for Gardening Loving Renters

As lockdown has gripped the nation, millions have looked to take up new hobbies in their homes to fill their time. One of those hobbies is gardening, with Google seeing a...

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Welcome Mat

What to Do if Your Tenant Stops Paying Rent

Being faced with tenants who won't pay their rent is a situation no landlord wants to find themselves in. It’s possibly the most stressful part of a landlord’s job. However,...

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Student Landlord Insurance What Students Want From Accomodation

What do students want from accommodation?

Despite uncertainty around Brexit, the student property market has shown rapid growth over the last decade meaning the sector is now valued at more than £50 billion, which...

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rental social

How to calculate your rental yield

Rental yield is a crucial factor to consider when purchasing a property. Find out what a rental yield is, how to calculate it and what’s considered a good rental yield.

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What is a tenancy deposit protection scheme?

What is a tenancy deposit protection scheme?

As a landlord, you look after the deposit of your tenant. Take a look at our guide to find out what is legally required and why a protection scheme is good for you and your...

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Certificates Landlords

What Certificates do Landlords need to Provide?

Are you up to date with the documents you're legally required to give your tenants? In this post, we'll take a look at the certificates and paperwork you'd do well to have...

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Types of Tenants - A Landlord's Guide

As a landlord you can rent your property to many different types of tenants - from professionals, students, DSS tenants, family members and more. This video looks at these...

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Why Some Types of Tenant are Higher Risk than Others?

Presenting our video guide to landlord insurance. We speak about the various types of tenant, how some can be higher risk to an insurer and how to cover yourself.

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Top property apps for holiday-lets and buy-to-lets

Whether you’ve got a holiday-let, buy-to-let, or whole rental portfolio, technology could be making your letting life easier.

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Best Cities For Renters With Pets Smaller

The UK’s Top Cities for Those Wishing to Rent with Pets

Looking for flats to rent when you don’t have a pet can already be a hassle, but when you add a furry friend into the equation the task can become a thing of nightmares.

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The Landlords Guide To Classified Ads

The Landlord's Guide to Classified Ads

If you've made use of landlord portals to let your rental properties, then you know that an appealing advert is all-important. In this article, we'll walk you through the...

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House Buy To Let

The good landlord guide

Landlords have gained a pretty poor reputation in recent years. A reputation that, in the large part, is totally unjustified. However, by being one of the ‘good guys’, you...

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The Changing Face Of The High Street 1

The Changing Face of the High Street

Many commentators are declaring the end of the UK’s high streets as we know them. We explored the ways in which SMEs are adapting to change the role of our high streets.

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Tenant Referencing For Landlords Social Image

Tenant Referencing for Landlords

Before entering into a legal contract with a tenant, landlords should carry out careful referencing checks to ensure their property is in good hands.

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Airbnb Banner

Should I set up an Airbnb?

Airbnb has exploded in popularity since the online hospitality service debuted in 2008. It’s become a major source of income for many people and it is among the first choices...

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Stock Insurance 1

Shop Insurance Guide

Our guide explains the features and exclusions of shop and retail insurance.

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Directors And Officers

Office Insurance Explained

Read our guide to office insurance for in-depth explanations of the features, exclusions and optional cover to make sure your office and business is properly protected.

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Landlord Boiler News Image

Landlord Boiler Breakdown Cover Explained

Landlord boiler breakdown insurance covers you for emergency repairs to the primary heating system of your rental property. It means you can get the boiler fixed fast without...

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Landlord Home Emergency News Image

Landlord Home Emergency Insurance Explained

Landlord home emergency cover is insurance which covers you for home emergencies – like the boiler at your rental property breaking down, blocked drains, broken windows or...

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Hotel Insurance Guide

A simple guide to insurance for hotels and guesthouses. We explain the features, exclusions and optional covers that are usually found in this type of business insurance....

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Landlord Content Insurance Video

What is Landlords Contents Insurance?

Read our article to get to grips with what protection landlord contents insurance offers you and whether you think you may need it. This article offers advice on what it...

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Guide to Commercial Property Insurance

Find out what commercial property or commercial landlord insurance is and how it differs from domestic landlord insurance.

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Landlord Insurance Guide

The Ultimate Guide to Landlord Insurance Cover

Discover what landlord insurance is, what it covers, why you need it and get advice on various cover options and tenant types.

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Landlord Tax

A Landlord’s Guide to Paying Tax on Rental Income

How much tax you pay on your rental income depends primarily on how much profit you make and what your employment status is. In this guide to landlord tax, we will discuss...

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