Our professional liability package is an expertly tailored mix of liability insurance, specific to your risks.
This covers you should you be sued by a member of the public if they were to be injured as a result of your negligence. We provide flexible public liability cover up to £10 million, so even if you’re tendering for large public contracts you can arrange cover to suit.
This insurance covers you should any of your products cause harm to a member of the public. This extends both to products you make and manufacture, but also products you sell direct or wholesale. You tell us how much cover you need, with flexible limits up to £5 million.
Should the advice or guidance that you give to your clients be incorrect and leads to loss or injury to them. We offer cover up to £5 million and offer a 24 hour legal advice help line for all indemnity policy holders.
To cover you should someone feel that you have written or said something inappropriate about them. In a case like this you can be liable for a claim to compensate earnings because of things like loss of reputation.
Our experienced professional claims handlers are used to supporting customers through the claim process. You will find them prepared and efficient at what might be a worrying time for you. You will have a dedicated claims handler to assist you through the claims process.
Lines are open Monday to Friday, 9am-5pm
Get tips and advice from our industry experts to ensure you get the best out of your professional liability insurance.
Your company's name is the most powerful piece of branding at your disposal. It's the first thing potential customers encounter, it's what existing customers associate with your products, and it's probably a word you'll be saying dozens of times each day. Better pick a good one.
As part of our liability insurance video series this video looks at what public liability insurance is. Watch to learn how it protects the public and keeps your business safe. Check out the video to find out more...
There are three main types of liability insurance. Each has a slightly different focus and will protect you from different potentially costly scenarios in working life. We look in-depth at which are right for your business.
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Whilst Professional Liability insurance is not a legal requirement, litigation against professionals has generally increased in recent years. It is important to remember that you don't necessarily need to have done anything wrong - all it takes is someone to allege that you have and you will have to defend yourself against the allegation, which could involve significant legal costs. Our policy would come into effect from the moment an allegation was made against you. Many professional associations now strongly recommend or even insist that you have insurance in place before you can take out membership.
Yes, the policy covers you to work at or from any location, provided that you live, and are based in the UK. This includes your home and the cover is not restricted in any way by working from home. You may find, however, that your home insurers restrict or invalidate your home insurance if you have business visitors to your home. If this is the case, Towergate has a special 'Homeworkers' insurance policy which will cover you to see clients at home or if you keep work items there.
You should notify us immediately, even if you only think you might need to make a claim. We are here to help and quick action could mitigate costs or even prevent a claim. Equally, if you have a routine query on which you would like our opinion, we are always happy to help.
We provide discounts for many professional associations that we have relationships with. You can purchase most of our policies online and if you are a member of a professional association, select it from the drop-down box and your discount will automatically be included. If it does not appear, simply type it in. Even if you are not a member of any professional association, we can still offer you a quote.
You can lapse your policy from the next renewal date. We can also provide 'run-off' cover from the date the policy lapses. If you take out this cover, if any claims come in after you have retired, they will be covered if they arise from your business activity as stated on your certificate. If someone decided to sue you, they have up to 3 years in which to make a compensation claim from the date they discover their loss, so this cover would ensure that any late claims are still covered. You must contact us to arrange this cover, and a charge will apply.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.