Liability insurance

Professional Liability Insurance from Towergate insurance: one policy, an assortment of cover

We provide a variety of cover in one product, so there’s no need for you to purchase a portfolio of different policies to ensure you are protected against various possibilities. Our professional liability policy provides cover for:

  • Professional Indemnity
  • Public Liability
  • Product Liability
  • Libel and Slander
  • Legal Expenses

We understand that things don’t always go to plan, no matter how diligent we are and it’s also important to remember that you don’t have to have done anything wrong, all it takes is for someone to allege that you have, and you may need to defend yourself. If you ever find yourself in this situation, without an extended Professional Liability policy in place you could be faced with paying substantial damages and having to fund expensive legal fees yourself.

Our professional liability policy protects you against the expense and worry associated with potential legal action taken against you, for example:

  • Contract disputes
  • Debt recovery
  • Public liability claims
  • Libel and slander claims
  • Professional negligence
  • Breach of confidentiality
  • Copyright disputes

What's more, if you live and have your business registered in the UK, our policy covers you for working overseas. If you do not reside in the UK or work outside the EU, please call us for an individual assessment.

Specialist Legal Defence

Our specialist legal cover protects you and your business against potential costs arising from:

  • Tax protection if you are faced with a tax investigation
  • Contract and debt recovery
  • Compliance and regulation
  • Employment disputes and compensation awards

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.

Don’t take a chance on your livelihood, to find out more or to get a quote, call our team of specialist advisers on 0330 123 3594 or email us

Income Protection insurance for busy professionals

What would happen if you couldn’t work? Our income protection policy is designed to look at replacing the loss of income should you be unable to work through illness, injury or disability.  It will provide you with a tax-free income to help you meet outstanding commitments in the event of loss of income. The level of cover can be selected by you, but we will use our fact find to identify the total amount of cover that is recommended to protect you. What's more, if you're self-employed, you could start getting this income as early as seven days after you stop working.

To find out more about protection when you need it most, please call 0344 736 0167 or email

All cover subject to insurers underwriting criteria. Full terms and conditions available upon request. Towergate Insurance is an Exclusive Associate of Vitality Life and Health and does not form part of the same group as Vitality Life and Health. Towergate Insurance is a trading name of Towergate Underwriting Group Limited. Registered in England with company number 4043759. Registered Address: Towergate House, Eclipse Park, Sittingbourne Rd, Maidstone, Kent ME14 3EN. Authorised and regulated by the Financial Conduct Authority.