*Quote based on a sole trader Plasterer with £2 million public liability cover, trading for 10 years or over. Quote does not include tools cover.
Read on to find out why business owners choose our public liability insurance:
It’s fair to say that if you interact with the public on a daily basis or your business activities are performed in a public area, you’ll need public liability cover. This means different things for different businesses. It could mean protecting your business against a potential claim from a client, a customer or another member of the public in the wrong place at the wrong time. We provide cover for a range of business types including; tradesmen, shops, mobile businesses, health and beauty professionals, those who work with animals, delivery and removals and many many more. Unfortunately, even we have our limits and there are some businesses we can’t cover. Tell us all about your business and we’ll do our best to find you suitable cover.
Each business is different but for many, public liability insurance is essential. For smaller businesses who work on smaller projects or with less interaction with the public, we can offer lower, more suitable levels of cover for a lower premium. However, if you feel like you need more cover, you can opt for our maximum level of £10 million. If you’re unsure how much cover you need, tell one of our knowledgeable advisers about your business and they’ll be able to help you get the right cover.
If you’re the type of person who can wire a plug socket with one hand and paint a skirting board with the other, you can add multiple business activities or services you offer on to your policy. As long as you’re doing it under the same business name, you can tailor your policy to cover you for any work you do for your customers, but if you think one of your services may not be included on your policy, give us a call and we’ll see if we can add it to your cover.
Public liability insurance is not generally brought in isolation. This is because most businesses require some other cover including employers' liability, product liability or contents cover. We specialise in business insurance of all kinds and can tailor you a policy which includes the right levels of all types of liability and business insurance protection.
These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents
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.
Give us a call and we’ll help settle your claim
Simply contact your public liability claims team using the details within your policy documents, we will put you through to the right 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 here to help.
We try to provide you with the information that will help you understand the PLI insurance you need:
If you're a business owner, the likelihood is you'll need some liability insurance. Our infographic explains why it's so important to get covered and the circumstances in which you'll need public, professional, employers, product and director's and officer's liability insurance.
As part of our public liability insurance video series this video looks at the common types of liability claims. Watch to learn how best to protect your business and the public by better understanding where the common risks lay. Check out the video to find out more...
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.
As soon as you become aware of a claim or potential claim being made against you for injury or damage:
We recommend that you:
If you accept liability before referral to your insurers then you could prejudice your and your insurers ability to deal with any claim made against you.
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.