Accidental damage cover
Products liability up to £5 million
Employers' liability with a limit of indemnity of £10 million
Public liability insurance with a limit of indemnity up to £5 million
Up to £15,000 cover for frozen or chilled foods and up to £5,000 for any other perishable goods
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.
Policy excess as shown in your policy documents
Breach of professional duty
Damage to business files resulting in erasure or distortion of information on computer systems
Exclusions vary depending on the type of cover chosen within your office insurance.
These are just some of the key exclusions/limitations, full details will be found in policy wordings.
Yes we are able to offer an "All Risks" section to our office package. This will cover items taken outside of the insured business premises i.e. a laptop used for external meetings.
No, our range of insurance packages enables us to deliver the right solution for both start ups as well as established businesses.
Yes. You will need to cover your business equipment if this is not covered by your home insurance. You will also need to cover your liabilities resulting from your business activities (this is excluded from most home insurance policies).
You should notify your insurers of any damage to your property even if you think someone else may be responsible. Do not assume that just because the damage was caused by someone else that they are legally liable. The law allows for genuine and fortuitous events and also bear in mind that they might not be insured or in a financial position to pay for your damage.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.
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 office 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.