Here are some of the services we offer as part of our cover:
We know that being flexible is a big part of the job so whether you're working from home, at a client's house, at a festival or in a local park, we can provide cover for you. We can also provide cover for you if you work from your own studio, so let our advisor know when you give us a call.
We know that sometimes things do go wrong. In the event that you find yourself needing to defend against a claim made against you, we can provide specialist legal advice to help you plan your next steps as a business.
If you're a member of the Yoga Alliance UK, British Wheel of Yoga, the British Council for Yoga Therapy or any other professional body, you are entitled to receive a 10% discount on your policy - just let our advisors know.
If you need more cover, we provide extras such as home business insurance and employers' liability cover so have a word with one of our advisors to discuss how we can help you to protect your growing business.
Our in-house care insurance claims team is on hand Monday to Friday between 9am and 5pm to support you. Furthermore, if you have an urgent concern, we offer a 24 hour helpline.
For material damage and business interruption claims of over £5,000 you can count on our claims assist team. We will appoint a chartered loss adjuster specialising in the type of loss you have experienced to look after your interests and ensure the entire claims process is handled quickly, fairly and without unnecessary stress.
Call us or email us with: your policy number; a phone number to reach you on; details of your claim; and photos where possible and relevant.
Lines are open Monday to Friday, 9am-5pm
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Whilst professional liability insurance is not a legal requirement, litigation against professionals has generally increased in recent years. It is important to remember that you don't necessarily need to have done anything wrong - all it takes is someone to allege that you have and you will have to defend yourself against the allegation, which could involve significant legal costs. Our policy would come into effect from the moment an allegation was made against you. Many professional associations now strongly recommend or even insist that you have insurance before you can take out membership.
Yes, the policy covers you to work at or from any location, provided that you live, and are based in the UK. This includes your home - and the cover is not restricted in any way by working from home. You may find, however, that your home insurer restricts or invalidates your home insurance if you have business visitors to your home. If this is the case, Towergate has a special 'Homeworkers' insurance policy which will cover you to see clients at home or if you keep work items there.
You should notify us immediately, even if you only think you might need to make a claim. We are here to help and quick action could mitigate costs or even prevent a claim. Equally, if you have a routine query for which you would like our opinion, we are always happy to help.
We provide discounts for many professional associations that we have relationships with. You can purchase most of our policies online and if you are a member of a professional association, select it from the drop-down box and your discount will automatically be included. If it does not appear, simply type it in. Even if you are not a member of any professional association, we can still offer you a quote.
You can lapse your policy from the next renewal date. We can also provide 'run-off' cover from the date the policy lapses. If you take out this cover, if any claims come in after you have retired, they will be covered if they arise from your business activity as stated on your certificate. If someone decided to sue you, they have up to three years during which to make a compensation claim from the date they discover their loss, so this cover would ensure that any late claims are still covered. You must contact us to arrange this cover, and a charge will apply.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.