We’re aware that one policy does not meet everyone’s requirements. That is why we have developed a number of relationships with insurers to provide polices that are tailored towards your line of work.
Choose from limits between £1m and £5m for a variety of liability covers including:
Optional extras
*Home business insurance – Do you practice from home or have an office? You may be required to up-date your home insurance policy to account for the extra activity. We can provide specialist home insurance for therapists or advise you of your options, in addition to your professional liability policy as required.
Employers’ liability cover – Do you have employees? Employer’s liability insurance is a legal requirement and is designed to protect your staff for injury or loss whilst performing their job. We can include this cover simply and easily.
Training extension - Available for an additional £52.50 if you train others in therapy.
Member of a professional body?
Many professionals can receive preferential rates as members of a professional body. Let your advisor know which organisations you are a member of and see what discounts you could receive.
Prefer to spread the cost of your policy?
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.
The policy is designed to cover any civil liability arising from your business - but there are a few specific exclusions:
Exclusions will change depending on your profession and your advisor will take you through these during the quotation process. This list of exclusions is a summary and is not a full list of all exclusions that may apply.
No, we do not need to know how many clients you will be seeing throughout the policy year.
We can provide cover for you to work from home automatically within the policy, however we need to make you aware that if anything was to get damaged within the home then this will come under the home insurance and so you will need to let your home insurers know.
We do not need to see a copy of these. We will insure you on the upmost faith that you have experience and qualifications in the area that you would like to be insured for. If a claim was made against you this may be when we would need to see evidence of this.
Yes, we do not specify how much experience you have in the area or where you studied.
No, we do not specify the age.
Yes we have monthly direct debit options, please call to discuss.
Yes we can cover work with both animals and humans, please call to discuss.
Yes we can provide cover for you to work outside of the UK as long as you live and are based in the UK and do not have any assets in the country you would like to work in, for example a house. As it is a UK policy if a claim was made for the work you have done in another country we would then need to bring the claim back to the UK to go through UK courts. If you had a house in the country for example, they would then try to take monies from your assets to protect the claim.
Claims for professional liability insurance can be very complex, so it's important to follow the right procedures. If you have any reason to believe you might need to claim, just follow the simple procedure below, and we'll advise you of the best course of action.
What to do
If any circumstance arises that might lead to a claim, you should:
What you can expect from us
We are here to help and take you through the claims process step by step. Even if you are uncertain whether a claim will arise, we are always happy to discuss the circumstances with you.
There are no claim forms to fill in. When we speak to you we will advise the best course of action. Even if you are not sure whether or not an incident will lead to a claim, you should notify us anyway. This will not prejudice your policy and we will be able to put your mind at rest or, if necessary, start the claims process.