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Liability Insurance

Whether you run a large business with hundreds of employees, or operate as a sole trader from your spare room, our liability insurance policies can help to protect you and your business.

  • Legal fees included across our policies
  • Combine the policies you need to ensure your business is adequately protected
  • Range of limits available to suit your business and budget

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What is liability insurance?

Our tailored liability insurance policies allow you to build up the cover your business requires. Whether you're setting up your own business, taking on employees for the first time or have an established company you are looking to expand we can protect your livelihood from a number of liability claims. Our advisers can help you to build up your liability insurance to suit you and will be on-hand to give expert advice and assist you if you need to make a claim.

What does liability insurance cover?

Our liability policies can cover you for public liability, product liability and employers' liability as well as professional indemnity and cyber liability to protect all aspects of your business activities. The cover you need will depend on your business type and size, so it is worth speaking to one of our specialist advisers to discuss your insurance needs.

Liability Insurance Video Guides

See our videos on liability insurance

Do I Need Employers' Liability Insurance?

Our video explains when you will need employers' liability and the legal requirements surrounding it.
Learn more about Employers' Liability Insurance

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What is Public Liability Insurance?

Watch our video guide to understand how public liability insurance can help protect your business.
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Liability Insurance Articles & Guides

We know more than just insurance; read more from Towergate:

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insurance guide

A Guide to Public Liability Insurance

Public liability insurance could be the most important cover you have. Not only does it pay out for claims that could otherwise topple a successful business but in many cases not having it would put customers and partners off using your services. Our simple guide looks at the main features and pitfalls.

Product Liability Social Image

insurance guide

A Guide to Product Liability Insurance

Product liability insurance is essential cover for any business that sells or manufactures products. It is rarely sold as a standalone product but is often added on to a public liability insurance policy.

The importance of cyber security for SMEs 1


The Importance of Cyber Security for SMEs

Cyber security for businesses has become increasingly crucial as hackers become more and more sophisticated. No matter how small your business, you could be putting yourself at risk of cyber-crime. This article explains how to help protect your business against this growing threat.

Do I need liability insurance?

Some liability insurance policies are a legal requirement for businesses, whereas other cover is recommended in order to protect your business but is not enforceable by law. The liability insurance you need will depend on factors such as the function, size and location of your business. In order to ensure you are adequately protected you should speak to a specialist adviser.

It is important to protect yourself and your business from the risks that come with operating a business. Our policies can offer protection from a range of risks including theft, personal accident and cyber-crime and could save you from the stress and financial burden should something happen.

How much does liability insurance cost?

Our liability insurance policies are designed to cover a range of risks and it is possible to combine a number of policies to suit your business needs, so the cost will depend upon a number of factors. We will discuss the liability insurance you need and the level of cover you require, then retrieve quotes from a number of insurers to allow you to choose the right policy for you.

What liability insurance do I need?

The type of liability insurance you will need will depend upon your business. Some of the covers you have probably come across are public liability, which protects you should a member of the public sue after an injury due to your negligence, and employers' liability which is designed to protect you and your staff from injury or illness relating to work.

There are other forms of liability insurance, such as professional indemnity insurance, which can protect you if you are accused of providing inadequate advice, services or products to a customer. Cyber liability insurance can help to protect your business in the event of a cyber-attack, this is becoming an increasingly important policy due to the rise in hacks and the advancement in techniques used by cyber-criminals. Speak to an adviser to find out which liability insurance you need for your business.

Do I need public liability and professional indemnity cover?

Read our guide on 'What is the difference between professional indemnity and public liability insurance?'.

Liability insurance policy exclusions

As there are a wide variety of liability insurance policies, it is always recommended that you check your policy documents for any specific exclusions.

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