Trades packages for carpenters, builders, electricians, plumbers, to creative trades such as hairdressers, designers, photographers & landscapers. We also cover digital trades e.g. web designers & advice-based roles including accountants, IT & management consultants. Essential covers available including public & employers’ liability insurance & professional indemnity (& much more).
Cover available for self-employed individuals across various professions including popular packages for tradesmen, photographers, hairdressers and many more.
Access to our panel of insurers allows you to arrange a policy that meets your specific needs.
We can help you adjust your cover when your business requirements change.
You can split your payment into 10 monthly instalments. Please visit our dedicated Direct Debit page to find out more.
There are many different types of business out there and each has its own insurance requirements. Self-employment also carries many variables, such as where you work from, how many employees you have, what level of interaction you have with the public 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.
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. It’s simple to amend your policy to make sure you still have peace of mind as your business changes.
Public liability insurance is often a starting point for many businesses seeking insurance. Then we can look at other options like employers’ and product liability, professional indemnity, tools and equipment cover, property insurance to include buildings, stock, contents, and more. It’s about finding a combination to suit you.
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.
Whilst professional indemnity (PI) insurance is not a legal requirement, most businesses offering a design or advice service for a fee will need it. Allegations for errors and omissions can occur at any time and the legal defence costs can be very high, as can the compensation awards in the event of you being found to be at fault.
Public liability insurance can help protect your self-employed business from claims of injury or damage caused by your work. As a sole trader, having public liability insurance in place means you will be covered for the cost of settling the claim where you are at fault, including compensation pay-outs and legal defence fees. Your need for Public Liability insurance protection depends on what level of exposure your business has with third parties – this can be the general public who you interact with or customers who visit your business premises, for example if you have a shop, pub, restaurant or hairdressing/beauty salon.
This will vary across different types of businesses. Towergate can offer public liability insurance policies with cover from £1 million up to £10 million or higher. The amount you need will depend on several aspects:
Employers' liability insurance is a legal requirement if you have employees but other cover depending on your business requirements include public liability, professional indemnity, buildings insurance. Each self-employed business will have different requirements to protect the self-employed business from financial loss.
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 this insurance in place. The cover will protect employees and enable you to provide compensation for them if they have suffered an injury or illness, as a result of your negligence, during the course of their employment.
To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.
If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.
When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.
and make sure you have all your information at hand, including your policy number
on 0330 018 2292 and explain exactly what happened
to help us understand what happened as quickly as we can
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