Business Details
28 Years
experience
Specialist Insurance Solutions for Business & Leisure
Established as a leading independent insurance broker, Towergate Insurance has built a reputation for providing tailored insurance solutions across diverse sectors. With over 2,000 specialist advisors, we combine industry-specific expertise with a commitment to understanding our clients' unique needs. Our services span commercial property, vehicle, care, and medical insurance, alongside niche products for emerging industries. Accredited by the Financial Conduct Authority, we prioritise transparency, offering clear policy terms and flexible payment options. Our team delivers nationwide support through a blend of digital tools and direct human interaction, ensuring clients receive both efficiency and personal service. With a 4.6/5 customer rating based on 3,999 reviews, we focus on claims resolution speed and policyholder education.Our partnerships with major UK insurers enable competitive pricing without compromising coverage quality. From startups to large enterprises, we adapt our approach to match business size, risk profile, and operational complexity. Our 24/7 legal helpline and specialist underwriting teams provide additional layers of support, reflecting our commitment to comprehensive risk management.
Services
Commercial Property Insurance
Care Home Insurance
Office Insurance
Landlord Insurance
Camera Equipment Insurance
Details
- Year established: 1998
Highlights and features
- 2,000+ trained insurance specialists available
- Tailored online services for specific coverage needs
- Comprehensive support before, during, and after claims
- Partnerships with leading UK insurers for competitive rates
- Regulated by the Financial Conduct Authority (FCA)
Associations and certifications
- Financial Conduct Authority
What people say
Specialist advisors
Quick claims process
Tailored solutions
Competitive pricing
24/7 support
Services
Commercial Property Insurance
Protects commercial buildings against fire, flood, and structural damage while covering business interruption losses. Includes options for Grade 1/2 listed buildings and non-standard constructions. Policyholders receive legal expense coverage and property owners liability protection up to 10m.
Care Home Insurance
Specialist package combining public liability, employers' liability, and abuse claim protection for care providers. Includes business interruption cover for staffing shortages and regulatory compliance support for CQC standards.
Camera Equipment Insurance
Worldwide protection for DSLR, drone, and film equipment with 'new for old' replacement. Covers accidental damage, theft, and data loss with 45-day foreign travel extensions and specialist claims handling.
Landlord Insurance
Comprehensive protection for buy-to-let portfolios including buildings insurance, loss of rent coverage, and legal expenses. Offers Grade 1/2 listed building coverage and unoccupied property extensions up to 30 days.
Office Insurance
Tailored packages covering office contents, cyber liability, and professional indemnity. Includes business interruption protection for IT failures and flexible 'increased cost of working' options during premises rebuilding.
People
John Smith
Head of Commercial Insurance
With 18 years in insurance broking, John specialises in complex commercial risks. He leads our team in developing tailored solutions for property and liability coverage.
Sarah Johnson
Head of Claims
Sarah oversees our claims department with 15 years' experience in dispute resolution. She ensures efficient processing while maintaining regulatory compliance across all insurance products.
Questions
What types of commercial insurance do you offer?
We provide property, liability, vehicle, and specialist coverage including film production equipment, care homes, and dental practices.
Can I get insurance for high-risk properties?
Yes, we cover non-standard constructions, listed buildings, and properties requiring Grade 1/2 listed status protection.
How does business interruption insurance work?
Covers lost income and ongoing expenses if premises become uninhabitable due to insured events like fire or flooding.
Do you offer payment plans?
Yes, we provide 10-month direct debit schemes with Premium Credit Limited for spreading annual premiums.
What's included in office insurance?
Contents cover for equipment, public/liability insurance, business interruption protection, and optional cyber liability extensions.
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