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Professional Liability Insurance

Professional Liability provided by Towergate Insurance

Towergate Insurance can provide newly qualified students of ACS Distance Education with a range of specialist insurance policies which will help protect livelihoods, from Professional Liability to Cyber insurance.

It’s important that you have professional indemnity insurance upon qualifying from your course and starting your business.

Professional Liability Insurance

Towergate understands that things don’t always go to plan, no matter how diligent you are.

The Towergate 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 covers 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

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.

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.

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.

Health & Safety
Towergate are always on the look-out for services which complement the professional liability policies we provide to you. We have teamed up with our partner, Ellis Whittam, to provide you with unlimited access to a free Health & Safety and Employment Law/HR portal where you can find up-to-date advice and resources, including Risk Assessment tools to help you understand how well your business complies with your legal obligations.

For the Risk Assessment Template, visit:

The risk assessments will provide an insight of your current COVID-19 compliance levels and highlight any gaps or areas requiring additional measures. Ellis Whittam are available to discuss pragmatic solutions and are offering you a free online consultation, co-ordinated via ourselves.

Why we partner with Ellis Whittam?

Towergate enjoys a longstanding, trusted relationship with Health & Safety, Employment Law and HR specialists Ellis Whittam, who help the sectors reduce operational risk. They are highly qualified dedicated advisors who help protect client’s wellbeing and safety while providing organisational peace of mind.

To get a quote, call the Towergate team on

01438 739 251

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.

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