So which type of insurance is right for you? We can build a policy from the ground up with your businesses’ needs in mind. Here’s how:
There are many different types of business out there and each has its own insurance requirements. Self-employment also carries all sorts of variables like where you work from, how many employees you have and whether you use equipment. These can all have an impact on the type of cover you’ll require. That’s why we like to talk things through with you and find the most suitable policy whether you’re an accountant or a carpenter.
Public liability cover is often a starting point for many businesses seeking insurance. Then we can look at other options like employers and product liability, professional indemnity, buildings cover, equipment cover and more. All in all it’s about finding a combination that suits you.
Great! Just let us know how your circumstances have changed and we’ll adapt your policy accordingly. Your insurance should be in no way constricting so just keep us posted. Do remember that your premium may change and there could be an adjustment fee of around £10.
We've got a selection of trusted insurers who can cover the risks associated with being self-employed. What this allows you to do is choose from several quotes with different premiums and cover until you find the best fit.
Your claim will be handled by the insurer you have chosen to take your policy out with so the number you need to call will be provided on your policy documents.
We want to make claiming as straight forward as possible so we provide our own claims support team for customers who need additional help. From questions about your claim to finding the right contact number, we’re on hand to help you out.
Call Towergate’s claims support team for guidance on:
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Public liability cover insures your legal responsibility to provide compensation for third parties who our injured or have had their property damaged due to a form of negligence. When applied to a self-employed insurance policy such as this one, the accident that has caused the damage must be linked to yourself whilst acting on behalf of the business.
This is tricky for us to advise on as your needs will vary dramatically from one business to another. It can be difficult to find advice when you’re self-employed but you can always ask local councils, those you work for or other local authorities to see if they have minimum requirements regarding the amount of public liability cover you should have in place.
This is only a requirement if you have your own employees but if you do, then it is a legal requirement for you to have insurance in place. The cover will enable you to provide compensation for your employees if they have suffered an injury or illness during the course of their employment and due to them carrying out their job.
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.