FAQs

What we cover

Towergate offers a range of commercial and non-standard insurance. Even if commercial insurance is not the core part of your business, it is worth knowing what covers are available, should your clients need to take them out in the future.

Submit a Referral  or see our covers below.

Available products

Towergate specialises in a range of commercial and non-standard insurance products and we provide a diverse range including, but not limited to, the following:


Tradesmen, contractors and construction

  • Public liability
  • Employer's liability
  • Contractors all risks
  • Tools and Plant (including hired in plant)
  • JCT cover
  • Efficacy cover
  • Self-build


Professional indemnity insurance

  • Errors and omissions
  • Office equipment
  • Computers
  • Business interruption
  • Cyber liability
  • Legal expenses
  • Directors and officers


Commercial property insurance

  • Hotels, guesthouses and B&Bs
  • Shops
  • Offices
  • Restaurants
  • Pubs
  • Property portfolios
  • Industrial units
  • Terrorism cover

All policy types under Commercial Property can include the following covers:

  • Loss of income
  • Property owner's liability
  • Subsidence cover
  • Accidental damage

Allowances can also be made for properties that are unoccupied. *Subject to Terms and Conditions. 


Business insurance packages

Commercial combined (manufacturing or wholesale
risks typically from an industrial unit):

  • Stock
  • Contents
  • Public and products liability
  • Employers liability
  • All risks (items away from the property such as mobile phones)
  • Business interruption
  • Goods in transit
  • Manual work away


  • Hotels, guesthouses and B&Bs
  • Shops
  • Offices
  • Employers liability
  • Restaurants
  • Pubs
  • Property portfolios
  • Specialist high net worth households including holidays homes
  • Surgeries
  • Working from home
  • Specialist high net worth households
  • Business fleet (more than 4 vehicles)

FAQS

Will you cross sell to my client?
Yes, but only insurance products they need for their business. We will not cross sell any financial services such as protection insurance and mortgages.


Can I sell the policy to the client?
No need to – we make it as easy as possible for you and do all the hard work on your behalf.


Do I collect the premium?
No, we handle everything once you have passed the details over. Just wait for your commission to arrive!


How long till I get paid the commission?
 See full details of the commission payaway process.


Am I responsible for the correct insurance policy being sold to my client?
No, we make recommendations to your client.


Do I get paid for the life of the policy or just inception?
Yes, you are paid for the life of the policy as long as you are authorised.


Is there a cap on my earnings?
No, there is no limit to the amount of extra income you can earn.


What happens if my client cancels the insurance mid-term?
If your client cancels mid-term, the commission loss will be clawed back from you in a future statement.


What are your SLAs and turnaround time of quotations?
We acknowledge your referral almost immediately and then contact your client as soon as possible or within 24 hours maximum (within business hours).