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Limited Company Insurance

Ltd Company cover for a range of businesses, trades, and professions

  • A single policy including business, public, product and employers' liability
  • £10 million in professional indemnity cover for professional services.
  • UK-based support
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Why choose limited company insurance with Towergate?


Flexible company insurance

A range of ‘package’ policies for limited companies in a variety of trades and professions


Up to £10 million professional indemnity (PI)

PI risks up to £10 million indemnity cover, including 24-hour legal advice helpline


Limited company liability cover

A single policy covering a range of risks, including public and employers’ liability


Pay by Direct Debit

You can split your limited company insurance payments into 10 monthly instalments

About limited company insurance


Limited company business cover and premises insurance

Our insurance for limited companies provides a number of property and liability covers under a single package. Protecting your business and your physical locations, we offer cover for your stock and contents, your business premises, offices, warehouses, tools, equipment, and plant, as well as loss of income cover Meaning that should you suffer an insured incident affecting your limited company's revenue flow, your policy will support you during this difficult time as you rebuild your turnover.


Public liability cover for limited companies

Our ltd company insurance covers third-party public liability to protect your business, with popular limits of £1m, £2m, £5m or £10m, so you choose the amount of cover you need for your limited company. Our advisers can help you decide on the level of public liability cover you require, depending on the size of your projects, turnover and the interaction you have with the public.


Ltd company employers' liability insurance

Employers' liability cover is a legal requirement for any company in the UK that employs staff. We can include this cover in your limited company insurance, with quotes from a range of carefully selected insurers to find the right cover for your company. Our employers' liability offers up to £10 million for any one claim from an employee, injuring themselves as a result of your limited company.


Professional indemnity insurance for your limited company

We can source the right professional indemnity cover for your business profession from our range of options and policy limits. This protects your ltd company by covering legal defence costs and awards up to the limit of cover which can be up they run into the millions of pounds. Our professional indemnity cover limits range from £1 million to £10 million to suit your limited company's needs and including access to a 24-hour legal advice help line.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on the number in your policy schedule and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Limited company insurance FAQs

Whilst indemnity insurance is not a legal requirement, most ltd companies cannot afford to be without it. Having a claim raised against you, even if it is not successful, can be very costly to defend. Our limited company insurance, if it includes professional indemnity cover, will not solely pay out for legal and defence costs, but should you have been at fault, will additionally pay compensation awards up to the policy limit selected by you.

Yes, employers' liability insurance is a legal requirement and we will provide you with a certificate of employers' liability insurance that you must display prominently, where your employees can read it. You can also display your certificate electronically provided you make it clear that your employees know how and where to find it.

Yes. If you are a retail limited company and the amount of stock you possess fluctuates substantially in different seasons, we can allow your ‘sums insured’ amount to be increased by an agreed percentage for your busy times of the year. Just let your adviser know if you wish to add this into your limited company insurance package.

Depending upon the type and severity of the accident: We recommend that you:

  • Meet your legal obligation to record accidents in your accident book.
  • Report all accidents to your insurers
  • Allow your insurers to investigate and advise you of the best course of action to be taken.
  • Do not accept responsibility or agree to pay compensation even if you think it is obvious that it is your fault.

If you accept liability before referral to your insurers, then you could prejudice your insurers' ability to deal with any claim made against you.

Yes, we can add cover for storing money on your ltd company's premises. Depending on the amounts involved there will be terms as to how you should store cash in order to minimise risk. Ask your adviser for details or check your policy document.

If you prefer to spread the cost of your annual premium, we offer a quick and easy direct debit scheme. When you choose to pay premiums in instalments, you will be paying under a Premium Finance plan. We will give you full details of the finance provider, and the additional cost of finance, when we provide you with your payment plan quotation. This will include the total payable, the number of monthly instalments and the cost of each, as well as the representative APR.

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.

Read more FAQs

Limited company insurance articles and guides

Do I need a public liability insurance certificate?

A public liability insurance certificate which offers a summary of your policy is a great way to show you’re covered and put your clients’ minds at ease.

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What is the Difference Between Public Liability and Professional Indemnity Insurance?

What is the difference between public liability and professional indemnity insurance? We define PL and PI insurance to help you decide if your business needs them.

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Social Media for Small Businesses: A Guide

Check out our article on social media for new business from Towergate Insurance - fun facts, top tips and more!

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