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What is home service clothing?
When you’re calling us for a new quote we may ask if you have any Home Service Clothing, but what is it?
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Service non-public funds, modern military museums, charities and associated military businesses.
Call our specialist commercial military team to discuss your needs
+44 outside UK. Weekdays 9am - 5pm
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Covering the UK and abroad, our field team have many years of service experience and are able to visit you on site where necessary.
At any point in your policy you can add cover for a one-off event, or if you are hosting regular events you can purchase this as a separate policy.
Specifically designed with HM forces in mind - we appreciate the nature of work the military are tasked with and your requirement to change location, potentially to anywhere in the world.
As specialists in a diverse range of insurances, our commercial military package can offer cover from other areas of the Towergate Group, such as marine, motor and charity trustee.
These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents
We have an in house claims team available to help you through the claims process.
For claims involving loss or damage to property or money, please complete our claims form. For liability claims you can send us an email, or give us a call to get things started.
Our claims team are on hand to assist you from 9am to 5pm weekdays
Call us or email us
Learn more about Towergate and the military:
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When you’re calling us for a new quote we may ask if you have any Home Service Clothing, but what is it?
View articleYour client reference will appear as four letters followed by two digits, e.g. ABCD01.
Your various policy references will begin with two letters, such as MI followed by two digits e.g. MI01.
Often shortened to ‘PL’ this covers your legal responsibility to provide compensation to members of the public, who are injured or have their property damaged by negligence on your part.
Your public liability insurance covers your general activities, conducted by you in your usual, non-duty or non-publicly funded capacity. Please be aware that this does not include events of a one-off nature, so please contact us to discuss your event. Be sure to check your policy wording for full exclusions.
Unless specifically endorsed within the public liability section of your policy wording, please contact us to confirm whether cover is in place.
Cover for events are considered on a case-by-case basis, and depending on the circumstances may have an additional premium – to help us ensure we can provide the right cover for your needs, and to speed up the process, please send your enquiry to wilsons.commercial@towergate.co.uk
Yes, usually this is with regards to public liability insurance to indemnify the organisers of events of a one-off nature and activities not considered to be within your usual business conduct. We are also able to offer short period covers for property (e.g. silver or diving tanks), money and cancellation insurance.
As an employer you are responsible for the health and safety of your employees whilst they are at work. Should your employees be injured at work or become ill as a result they may be able to claim compensation. The Employers' Liability Act 1969 made employer's liability insurance compulsory in the UK for most businesses with employees. Employer's liability insurance enables your business to meet the cost of compensation awarded to injured employees as well as associated legal costs.
Employers liability cover is not limited to those on a wage roll, and extends to the duty of care you may have to an person who is;
1. under a contract of service or apprenticeship with You
2. borrowed or hired by You
3. a labour master or supplied by a labour master
4. employed by labour only sub-contractors
5. self-employed
6. under work experience or training scheme
7. regarded as being in your employment in the terms of any contract or agreement
8. a voluntary helper while working under your control in connection with the Business
9. an out worker or homeworker while engaged on Your behalf
10. any other person delegated to handle funds and/or stock