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Business Insurance

When it comes to business insurance, one size doesn’t fit all. Choose tailored cover for your business.

  • Cover to suit your unique requirements
  • Policies for large businesses, SMEs, limited companies, partnerships and sole traders
  • Cover for home workers also available
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If you need additional assistance arranging your insurance, find out how our teams can support

One of the UK's leading independent insurance brokers

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Overall service rating 4.6 / 5

Based on 4310 customer reviews

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Why choose business insurance with Towergate?

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Cover for many trades and businesses

Our business insurance policies are made specifically to suit hundreds of industries.

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Compare business cover quotes

Compare up to nine quotes from our panel of business insurers.

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Insurance to suit your organisation

Tailor your policy and choose the options that suit your business.

Direct Debit

Pay cover by Direct Debit

We offer a quick and easy Direct Debit  instalment scheme so you can spread payment over ten months. 

About Business Insurance

All business owners and tradespeople have responsibility for those they work for and to the general public at large. If things go wrong and an accident occurs, you may be alleged to have been at fault.

If this happens, public liability insurance will initially protect you by paying your legal defence costs. I If you are found to be at fault, a public liability policy will pay compensation for damages, up to the limit of indemnity under your policy, which arise from accidents and injuries to third parties or accidental damage caused caused by you when they are visiting your business premises, or when you are working in their home, office or business property.

A common exclusion is damage to property being worked upon.

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Our public liability cover protects you and your business should a member of the public hold you responsible for accidental bodily injury to damage to a third party, or damage to their property or bodily injury, due to your negligence. 

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Compensation claims - if a person is injured, or their property is damaged, because of your business, they may decide to sue. If their claim is upheld, you could be asked to compensate them financially for their suffering and financial losses. If the accident was caused by your business activities, you'll be accountable regardless of whether it took place on your premises, theirs or at a third-party location. Cover provided up to the selected limit.

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Legal defence costs - this helps cover the cost of any fees you might have to pay during a legal hearing. This includes the cost of getting a lawyer.

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Cost of repairs - if something has been damaged as a result of your business (for example, if you're a decorator who spills paint somewhere on a customer's property), public liability insurance covers the fee for repairing the damage.

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Medical fees - in the event of injury, reasonable medical expenses for rehabilitation and recovery would be considered.

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Extra trades - If you offer a range of trade skills, you can add your multiple business activities or services to a single public liability policy. If your different trades are under the same business name, you can tailor your policy to cover all the work you do for your customers, or if it not already included on your policy, give us a call and we’ll see if we can add it.

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Business liability - Most businesses require some other cover including employers' liability(if they have any employees), products liability or property insurance for loss or damage to tools, property and goods. We offer a range of business insurance covers so can tailor your policy to suit your business' requirements.

We provide insurance for a range of business types. Simply tell us about your business and we’ll do our best to find you suitable cover.

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If you are a plumber, carpenter, painter, electrician, gardener, crafter or any of the other hundreds of different trades we cover then we have bespoke and flexible tradesman insurance for you and your tools. Build your own policy by choosing from a range of liability options and specialist tradesman covers.

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We can provide tailored cover to suit all sizes of office business including office contents, fixtures/ fittings, computer and electronic equipment and loss of income, and offer public/employers liability insurance as well as professional indemnity and cyber liability insurance if required.

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We can cover all types a large range of retailers from small independent shops to larger retailers with more than one branch. Whatever you are selling – from fashion speciality gifts and flowers, to bike repairers and coffee shops and everything in between, we can get you covered.

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Our flexible policies can suit a variety of businesses including but not limited to manufacturers, distributors and wholesalers. You can combine a number of covers including property damage and business interruption in your unique single policy package with one renewal date.

Your public liability insurance cost will depend on a number of factors related to your business and risks involved in the running of it as well as the level of cover you need:

  • Your trade or profession and the hazards associated with your activities – e.g. work at height, depth, use of heat (blow lamps, welding equipment).
  • Whether you are you working on new or existing properties, domestic or commercial.
  • The type of locations worked at, any hazardous locations such as ports, airports, tunnels, gas/oil works etc
  • Where in the world you work and the activities carried out - e.g UK-only and/or Europe, or worldwide – including or excluding USA/Canada.
  • Number of employees, clerical or manual, and if you have any sub-contractors.
  • The limit of indemnity you require - £1 million, £2 million, £3 million, £5 million, £10 million or higher.
  • What is included in your public liability insurance quote (standard level or extra covers)
  • Your past claims history
  • For larger businesses, estimated annual payments to direct employees - clerical/manual, labour-only and/or bona-fide sub-contractors
  • The size of your business e.g. turnover (the more work you do, the greater the risk exposure and the higher the premium)
  • Your risk management and health and safety record

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 0344 892 1384 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 quick form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Business insurance FAQs

Our business insurance policies take into consideration a range of factors including your turnover, location, number of employees, the industry, even the amount of time you’ve been trading and offer you a tailored policy which is based on you and your business. And our trained advisors are on hand, not only to build your policy with you, but also to amend as your business grows.

Business insurance can cover three main areas of risk which could impact your business:

Professional indemnity insurance

There is no limit as to how much a compensation claim could reach in the UK. Therefore, a serious case could see thousands or even millions of pounds rewarded against your business. Professional indemnity (PI) insurance protects by covering the cost of a claim for compensation against you. But even if a court case is unsuccessful, you can also claim back the cost of defending yourself, and receive legal advice through-out the process.
Learn more

Get a quote

Public Liability Insurance

It’s fair to say that if your business interacts with the public on a daily basis or your business activities are performed in a public area, you’ll want public liability cover. Although how much you’ll need varies from business to business. It could mean protecting your business against a potential claim from a client, a customer or another member of the public in the wrong place at the wrong time.
Learn more

Get a quote

Employers’ liability insurance

Employers liability insurance is a legal requirement in the UK if you have employees. Should an employee injure themselves or experience property damage during the course of their work, the business could be liable for compensation and legal defence. Employers liability insurance from Towergate covers these costs up to £10 million for any one claim.
Learn more

Get a quote

Product liability

If you sell, supply, manufacture or repair products then you may need product liability insurance. Faulty or defective products which cause injury or damage to third parties, or their property, may instigate claims against your business even if the defect is not your fault. Product liability insurance covers you against claims of this nature.

Find out more about product liability

Shop Insurance

Whether you need to cover the business only or you require cover for your premises too, we can provide shop insurance with options to cover high value stock, unique glass shop fronts and tenants’ improvements.

Find out more about shop insurance

Cyber insurance

A growing risk for many businesses is cybercrime, if any part of your businesses operates using the internet, you could be at risk of cybercrime too. Cyber insurance will help protect you against the financial impact cybercrimes can have on your business.

Find out more about cyber insurance

D&O cover

Even the best laid plans can falter. If you’re in a position where your advice can affect the success of entire business, it’s best to have cover in place if things don’t go the way you thought. Directors’ and officers’ insurance will take the financial strain away if you are challenged legally due to your actions.

Find out more about directors and officers insurance

Business insurance can cover a variety of risks which could impact your business. If you have employees’, you are legally required to have a minimum of employer’s liability insurance included on your policy. Thereafter, it’s up to you to choose the types of cover which match your risks.

What does business insurance cost?

Our business insurance covers businesses great and small against a variety or risks, or just a few, all depending on how you operate. Therefore, it’s tricky to give a ball park figure or even an average cost. What we can tell you is that we give you choices and retrieve quotes from a panel of insurers so you can choose the right policy, at the right price.

Find out more

Watch our video to hear more about our business insurance:

This can vary dependent on a number of factors related to your business, limits are variable and we can try to find cover up to the amount you request. If you’re unsure how much cover your business will need, call our team for assistance and we’ll talk you through the details of what you might need so you can make an informed decision.

Our business insurance covers businesses great and small against a variety or risks, or just a few, all depending on how you operate. Therefore, it’s tricky to give a ball park figure or even an average cost. What we can tell you is that we give you choices and retrieve quotes from a panel of insurers so you can choose the right policy, at the right price.

To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.

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

Watch our video to hear more about our business insurance:

Read more FAQs

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