Liability insurance


Towergate Insurance and CIEHF

Towergate Insurance are able to offer members of the Chartered Institute of Ergonomics and Human Factors a range of specialist insurance policies which protect livelihoods - from Professional Liability to Income Protection and Cyber Insurance.

Professional Liability insurance

At Towergate we understand that things don’t always go to plan, no matter how diligent you are as a business. Our Professional Liability policy protects you against the expense and worry associated with potential legal action taken against you, such as contract or copyright disputes, professional negligence and breach of confidentiality. We provide a variety of cover in one product, so there’s no need to purchase a portfolio of different policies to ensure you are protected against various possibilities. Our specialist Professional Liability policy provides essential cover for:

  • Professional Indemnity
  • Public Liability
  • Product Liability
  • Libel and Slander
This policy also gives you access to:

Legal Expenses: this gives you access to a Free 24/7 Legal Helpline, Pre-Hearing Representation and Fitness to Practice Hearing Defence, and cover to pursue and defend your legal rights arising from Contract Disputes or HMRC Tax Investigations.
Markel Law Hub: to compliment the legal advice line, you have access to the Markel Law Hub, an online resource of expert legal and business guides, templates and content, provided by Markel Law LLP.
Main Exclusions*
-    Deliberate or reckless acts
-    Legal costs and expenses incurred without or prior to our consent
-    Liabilities that should be more specifically insured elsewhere, for example Employers’ Liability
*Other exclusions apply, please contact us for details.

Cyber Liability insurance

With cyber attacks becoming ever more widespread and sophisticated, you need to be sure you’ve got the right protection. What would you do if your business suffered a data breach? Have you got cover for reinstating data? If you’re subject to a regulatory investigation, are your costs covered? A number of factors in the day to day running of your business can contribute to a data breach, such as lost paper records and ransomware attacks, to name but two.

Cyber Liability insurance can give you protection against cyber security risks:

  • Data recovery costs
  • Dedicated cyber security advice against the latest digital threats
  • First-party coverage for cyber extortion
  • Business interruption resulting from security breaches and system failures
  • Contingent business interruption from incidents occurring at the policyholder’s vendors and suppliers
  • eCrime coverage

Towergate have a team of in-house specialist advisers who understand that every customer will have different needs and concerns.

Protecting the health of you and your business  

With rising numbers of self-employed people across the UK, it’s more important than ever to make sure you have the right protection cover in place. If you become unable to work through illness it has a big impact on your finances.  Relying on you alone for all of your business income brings a lot of freedom, however, it also makes it vital to ensure you have the right insurance cover in place to protect your own health and the ongoing continuity of your income, should the worst happen. Having a proactive health and wellbeing strategy, which supports you to look after yourself, avoid long hospital and treatment waits, and get you back to work more quickly, can make a huge difference to your business.

Investing in protection policies for you will ensure you can still repay loans and credit, and cover your bills, even if you can’t work for some time, helping to keep your finances going during a difficult period. No business is too small to have the right health, wellbeing and protection policies in place and the expert advisers within Towergate Health & Protection will work hard to make sure you get the right cover for your needs.

Free access to our COVID-19 Information Hub

We want to support you during this unprecedented time and have launched our dedicated COVID-19 information hub that is available for you to utilise. This online hub includes a link to a free Health and Safety and Employment Law hub provided by our commercial partners, Ellis Whittam, as well as there being many business planning articles and risk alerts available for you to download, to advise, guide and support you in this difficult time. Visit www.towergate.com/covid-19-updates for more information.

For more information, or to get a quote, speak to our team on 0330 123 3594 or visit our website

Towergate Insurance is a trading name of Towergate Underwriting Group Limited. Registered in England with company number 4043759. Registered Address: 2 Minster Court, Mincing Lane, London EC3R 7PD. Authorised and regulated by the Financial Conduct Authority.

Towergate Health & Protection is a trading name of Health and Protection Solutions Limited, which is authorised and regulated by the Financial Conduct Authority (FCA). This can be checked on the FCA’s website or by calling them on 0800 111 6768 (freephone). Registered in England and Wales number 4907859. Registered office: West Park House, 23 Cumberland Place, Southampton, SO15 2BB.