insurance guide
A Guide to Employers' Liability Insurance
Whether you have one employee or an expanding workforce, employers’ liability insurance is a vital part of your liability insurance for your business.
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Protection for your business and the pets you care for.
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You can cover your business up to £1, £2 or £5 million. We can even go all the way up to £10 million if you need it. Let us know the amount your business might need and we’ll let you know which insurers can help.
Another benefit of using a panel of insurers is you can often choose between policies and find a suitable excess. A higher excess can mean a lower premium but you might be happier knowing that if you do need to claim, you’re not going to be out of pocket. We can help you figure out the right balance for your business.
We cover a whole range of different pet businesses, including grooming parlours, kennels, catteries, breeders and clubs. Multiple trades are also fine. You may run a pet day care service but also offer dog grooming on the side, no problem, just let us know the details and we’ll establish what suitable cover looks like for your style business.
Our premiums insurance start at around £85 for the year but it really depends on what you need from your policy. What we can do in most cases is give you options. You can see how much a policy might be with all singing all dancing cover compared with just the basics. That way you can make an informed decision.
We have measures in place to help get your claim settled as quickly as possible so you can carry on with business as usual.
Generally your claim will be handled by the insurer you have chosen. Therefore the correct number to call will be printed on your individual policy documents.
However, we have our own claims support team who are on hand to help point you in the right direction or answer any questions.
Call Towergate’s claims support team for guidance on:
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Pet insurance covers a variety a different risks which could impact your business. Policies generally include cover for:
Grooming parlours
Kennels
Catteries
Breeders
Clubs
Pet business insurance policies usually include a combination of business insurance and pet liability insurance. In addition, some policies can cover you for escaped pets, sick or injured pets. For full information on policy cover please ask the team.
The insurance will cover your liability to the third parties up to the value you have chosen to include on your policy.
Some of our insurers will provide cover for pets in your care who are injured or sick. It’s important you let us know when you get a quote that this is something you require so we can ensure the policies we quote you have it included.
If you are vigilant in making sure your premises are secure at all times to minimise the chance of escape, we can provide cover through some of insurers in the event the little critters still find a way out. Again, please advise us this is something you need to include.
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.