Our Covers

Towergate offers a range of commercial and non-standard insurance. Even if commercial insurance is not the core part of your business, it is worth knowing what covers are available, should your clients need to take them out in the future.

Submit a Referral or see our covers below.

Towergate Referrals covers

Towergate specialises in a range of commercial and non-standard insurance products and we provide a diverse range including, but not limited to, the following.

Tradesmen, contractors and construction

  • Public liability
  • Employer's liability
  • Contractors all risks
  • Tools and Plant (including hired in plant)
  • JCT cover
  • Efficacy cover
  • Self-build

Professional indemnity insurance

  • Errors and omissions
  • Office equipment
  • Computers
  • Business interruption
  • Cyber liability
  • Legal expenses
  • Directors and officers


Commercial property insurance

  • Hotels, guesthouses and B&Bs
  • Shops
  • Offices
  • Restaurants
  • Pubs
  • Property portfolios
  • Industrial units
  • Terrorism cover

All the policy types on the left can include the following covers:

  • Loss of income
  • Property owner's liability
  • Subsidence cover
  • Accidental damage
Allowances can also be made for properties that are unoccupied.


Business insurance packages

Commercial combined
(manufacturing or wholesale risks typically from an industrial unit):

  • Stock
  • Contents
  • Public and products liability
  • Employers liability
  • All risks (items away from the property such as mobile phones)
  • Business interruption
  • Goods in transit
  • Manual work away

  • Hotels, guesthouses and B&Bs
  • Shops
  • Offices
  • Employers liability
  • Restaurants
  • Pubs
  • Property portfolios
  • Specialist high net worth households including holidays homes
  • Surgeries
  • Working from home
  • Specialist high net worth households
  • Business fleet (more than 4 vehicles)

Our Panel Of Insurers Include

  • Ageas
  • Allianz
  • Aviva
  • Axa
  • Chubb
  • Covea
  • Hiscox
  • Lloyds
  • Lve
  • Nig
  • Rsa
  • Towergate
  • Zurich