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)

Towergate Referrals covers

Tradesmen, contractors and construction

Professional indemnity insurance

Commercial property insurance

Business insurance packages

Our Panel Of Insurers Include