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9.9 times out of 10, your clients are likely to be satisfied with your professional advice or service. However, for that 0.1 who claim that you’ve caused a loss of some kind as a result of your work, you’ll need professional indemnity cover.
If you do find yourself having to defend yourself against a claim, the legal expenses could be costly. In this instance you can use your professional indemnity cover to claim back legal expenses and even the money you may have to pay out if your client’s claim is upheld in court.
Over our years of arranging insurance for businesses, we’ve seen it all. So no matter how niche your business is, we’ve got an indemnity policy to suit you. We’ve also teamed up with a 24 hour legal help line for all professional indemnity policy holders service to offer quick and easy support and advice should you be worried about legal action against you or your business. If you already have another form of business insurance with us, ask your advisor about adding pi insurance to your cover.
Unless you’re a lawyer, the world of liability and compensation can be daunting, especially if a claim is being raised against you. Even If you think a claim may be bought against you, we can provide access to legal professionals who can help you right from the beginning.
In terms of your claim, we will talk you through the steps you need to take to prepare and how to further protect yourself. This won’t prejudice your claim either and you won’t need to fill out any paper work until you are ready to make a claim.
Read our series of helpful guides to help you choose the most relevant cover for your business:
Do you manufacture, commission or sell products? Our simple guide explains all you need to know about Product Liability insurance, and how it could well be a vital part of your business insurance.
Our simple guide details the main features and offers advice on getting employers' liability insurance right. Not only is this cover a legal requirement for most UK businesses with employees but it's a vital cover for protecting your business itself.
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.
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For their own liability reasons you are unlikely to find an insurance company who will advise you exactly on how much cover you need. It is essentially your responsibility to take out adequate cover although our advisors can go through your options over the phone and explain how you might want to calculate this cost. Alternatively, many industry organisations or professional bodies will likely be able to offer your some advice.
Professionals who send out products, offer advice of some kind, or provide some services from their own home can still cause harm for which they may be liable. For this reason it’s important you don’t make an assumption that you can’t do any damage when tucked away in your own home, and speak with an advisor about your risks.
We sure can! We can provide public, employers and product liability packaged together with professional indemnity insurance easily in one package. If you require further business insurances like commercial property insurance, loss of earning, personal accident, stock cover we can provide these too.
When you stop trading or retire we recommend you still have something called ‘run off’ cover. This means that claims raised against you for an event that happened while you were still trading are covered (a claim can be raised any time up to 3 years after the fact). When you are ready we can arrange cover for you for this.
Many of our customers can get a discount on their insurance simply by being a member of a professional association or industry body. What’s more, for many of these, we also offer profession specific policies too. This means you can get specific cover with great discounts! Speak to one of our advisors to find out how much you can save.
If you would prefer to spread the cost of your policy you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).
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.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.
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