Service (Non-Public) Funds Insurance

Service (Non-Public) Funds Insurance

Insurance for non-MOD funded property.

01242 533 784

Weekdays 9am - 5pm

About Service (Non-Public) Funds Insurance

Worldwide

Worldwide cover for property

Cover your property in transit or storage, anywhere in the world

Military

Specialists in the market for over 40 years

As specialists in a diverse range of insurances, our commercial military package can offer cover from other areas of the Towergate Group, such as marine, motor and charity trustee.

Group

Experienced field team

Knowledgeable and professional service from our dedicated team

Flexibility

Flexible options for events

At any point in your policy you can add cover for a one-off event, or if you are hosting regular events you can purchase this as a separate policy.

Features of Service (Non-Public) Funds Insurance

Standard cover

Short period cover available

We are able to offer short period covers for property (e.g. silver or diving tanks), money and cancellation insurance.

Add cover for an event

At any point in your policy you can add cover for a one-off event, or if you are hosting regular events you can purchase this as a separate policy.

Cover for property in transit or storage

Specifically designed with HM forces in mind - we appreciate the nature of work the military are tasked with and your requirement to change location, potentially to anywhere in the world.

Commercial military insurance package

As specialists in a diverse range of insurances, our commercial military package can offer cover from other areas of the Towergate Group, such as marine, motor and charity trustee.

Service (Non-Public) Funds Insurance FAQs

Question

What is my reference number?

Answer

Your client reference will appear as four letters followed by two digits, e.g. ABCD01.

Your various policy references will begin with two letters, such as MI followed by two digits e.g. MI01.

Question

What is public liability insurance?

Answer

Often shortened to ‘PL’ this covers your legal responsibility to provide compensation to members of the public, who are injured or have their property damaged by negligence on your part.

Question

What does my public liability insurance cover?

Answer

Your public liability insurance covers your general activities, conducted by you in your usual, non-duty or non-publicly funded capacity. Please be aware that this does not include events of a one-off nature, so please contact us to discuss your event. Be sure to check your policy wording for full exclusions.

Question

We are holding an event, am I covered?

Answer

Unless specifically endorsed within the public liability section of your policy wording, please contact us to confirm whether cover is in place.

Cover for events is considered on a case-by-case basis, and depending on the circumstances may have an additional premium.

Question

Can you offer short period cover?

Answer

Yes, usually this is with regards to public liability insurance to indemnify the organisers of events of a one-off nature and activities not considered to be within your usual business conduct. We are also able to offer short period covers for property (e.g. silver or diving tanks), money and cancellation insurance.

Question

What is employers' liability insurance?

Answer

As an employer you are responsible for the health and safety of your employees whilst they are at work. Should your employees be injured at work or become ill as a result they may be able to claim compensation. The Employers' Liability Act 1969 made employer's liability insurance compulsory in the UK for most businesses with employees. Employer's liability insurance enables your business to meet the cost of compensation awarded to injured employees as well as associated legal costs.

Question

We don't have employees, does that mean we don't need employers' liability insurance?

Answer

Employers' liability cover is not limited to those on a wage roll, and extends to the duty of care you may have to an person who is:

1. under a contract of service or apprenticeship with You
2. borrowed or hired by You
3. a labour master or supplied by a labour master
4. employed by labour-only sub-contractors
5. self-employed
6. under work experience or training scheme
7. regarded as being in your employment in the terms of any contract or agreement
8. a voluntary helper while working under your control in connection with the Business
9. an out worker or homeworker while engaged on Your behalf
10. any other person delegated to handle funds and/or stock

Question

Can I pay for my service (non-public) funds insurance in instalments?

Answer

To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.

Question

Where can I find more information about monthly Direct Debit?

Answer

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.

Question

Where can I find full details of my policy?

Answer

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Call the claims team

on 01242 533 748 and explain exactly what happened

3.

Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim