Expert Underwriting. Supporting Brokers

Transcription

1 Product Guide Expert Underwriting. Supporting Brokers

2 Expert Underwriting. Supporting Brokers This guide has been designed to help you find the right products for your clients. Our underwriting teams and the products they offer are outlined along with key contact details to ensure you can talk to trained, experienced underwriters who are experts in their field. With one of the widest product ranges in the UK we can deal with just about anything, so put us to the test and talk to someone who understands your business. Benefits of dealing with Towergate Easy access to market leading products Direct access to expert underwriters Online quote and buy facility for brokers Consortium of leading insurers Dedicated broker support team Attractive commission Towergate Broker Support If you need further help in finding the right products for you clients Towergate Broker Support provides a single point of contact - directing you to the precise product and underwriting team, ensuring a speedy answer to your queries. Tel: [email protected] Easy to Access Products Our Non Standard Home products are available via EDI on major software houses (Open GI, SSP, CDL and Acturis) and our e-traded commercial products are available via PowerPlace. Many other Towergate products are available to quote and buy online via our website. This makes it easier to place business, with immediate quote, cover and policy document, often avoiding the need to re-key on your back office. Electronic referrals go straight to our underwriters ensuring you receive a quick response. Quote and buy now at - Contact the broker support team for help logging on.

3 Contents Personal Lines Cherished Cars Household Holiday Homes Let Property Marine PA & Business Travel Travel - Single & Annual Multi-trip Travel - Tour Operators & Affinity Groups Commercial Lines Agriculture Commercial Combined and Package Commercial Property - GWP below 100k Commercial Property - GWP of 100k plus Entertainment Liability Professional Indemnity Transit and Cargo Transportation Other Products for Brokers Aviation Caravans/ Park Homes Caravan Park Operators Care Homes Commercial (SME) Credit Insurance & Bonds Directors & Officers Liability Insurance Golf Clubs/ Sports & Social Clubs HM Forces Insurance Lloyd s and London Market Marine Cargo Medical and Caring Professions Travel - Tailor-made Travel Insurance Schemes

4 Cherished Cars Towergate Underwriting Cherished Cars is one of the leading providers of specialist cherished vehicle insurance to the broker market. Optional Covers Available Agreed Value - Up to 60,000 as standard or higher on referral Cherished Number Plate Cover - Up to 10,000 or higher on referral Reinstatement Repair cover Wedding Use Software Houses Open GI, SSP, CDL and TGSL (All EDI capable for both new business and mid term adjustments) Selective vehicles over 10 years old Limited mileage policies Grey imports Mileage over 7,500 per annum Certain occupations - please contact us for more information Contact Towergate Underwriting Cherished Cars Tel: [email protected] Quote & Buy Online Personal Lines

5 Household Towergate Underwriting Household has over 30 years experience providing brokers with both standard and specialist household cover that is often difficult to obtain elsewhere. Key Features Home Emergency Cover Family Legal Protection (including ID theft) for owner-occupied properties Tax & Legal Helpline 24hr Emergency Claims Assistance Software Houses Open GI, SSP, CDL, and Acturis Full cycle EDI available on Standard and Specialist home products B&B Accommodation High Net Worth Homes Listed Properties Mid Net Worth Homes Non Standard Occupancy Non Standard Construction Standard Homes Underpinned Homes, or those that have suffered from previous subsidence Unoccupied Homes Homes for the armed forces Let or Second Homes Residential park homes Static and Holiday Caravans Touring Caravans Thatched homes Contact Towergate Underwriting Household Tel: Quote & Buy Online - Personal Lines 3

6 Holiday Homes Towergate Underwriting Holiday Homes has been a specialist provider of holiday home and second home insurance for more than 20 years, protecting properties across the UK and Europe. Products Holiday home insurance (UK and Europe) Static caravan and mobile home insurance (Europe) Holiday Chalets (UK and Europe) Key Features 24 hour emergency helpline Overseas Assist Interpretation Service Cover available for Accidental Damage caused by tenants to Buildings or Contents Automatically included emergency travel costs to the property in the event of a major claim Up to 60 days unoccupancy per year 5M Property Owners Liability 5M Personal Legal Liability Cover for temporary accommodation and loss of rental income UK claims handling service Bi-lingual loss adjusters European Locations Bulgaria Italy Southern Ireland (Eire) France Portugal Spain Greece Southern Cyprus UK Holiday lets in the UK and Europe Static caravans and mobile homes in Europe Holiday Chalets in the UK and Europe Static caravans and mobile homes in the UK Contact Towergate Underwriting Holiday Homes Tel: [email protected] Quote & Buy Online Personal Lines

7 Let Property Towergate Underwriting Let Property offers specially designed cover plus a range of optional benefits which can be tailored to suit Landlord s needs. Products Buildings and contents insurance for the rented properties market Landlords Legal Protection Landlords Legal Expenses with Rent Guarantee option Home Emergency Cover with Roof Damage option Key Features Buildings Sum Insured up to 2M Contents Sum Insured up to 40,000 Malicious Damage by tenant cover 2M Property Owners Liability automatically included Accidental Damage Cover Legal Expenses Loss of rent cover available Cover available for UK and Northern Ireland Individual and blocks of flats up to a total of 1.5m on referral Range of tenant types including DSS, students and professional Flat and thatched roofs Houses with multiple occupancy Portfolios including landlords who own multiple properties of different property types Properties over 200 years old Unoccupied due to renovation, pending sale or change in tenancy Non standard construction properties on referral Tenants Contents Occupied properties up to 1M buildings SI without referral Occupied properties of 1M to 2M buildings SI with referral Commercial premises Holiday homes Hotels/ guest houses/ public houses Unoccupied commercial premises Contact Towergate Underwriting Let Property Tel: [email protected] Quote & Buy Online - You can also place Let Property business via PowerPlace - Personal Lines 5

8 Marine Towergate Underwriting Marine has expert knowledge of the Yacht and Marine markets and provide brokers with a wide range of cover. Products Yacht and Pleasurecraft Commercial Marine Trade - including Commercial Hull, P&I, Cargo and Boating / Sailing Clubs Key Features Yachts/ Pleasurecraft Accidental loss or damage Third party and passenger liability Optional waterskiing / toys liability Personal accident & medical expenses Pollution costs Salvage charges Wreck removal National and International network of yacht claims surveyors Yachts/ Pleasurecraft Yachts & Pleasurecraft, Jetskis Commercial Marine Trade Marinas / Boatyards, Boat / Yacht Builders, new and second hand Vessel Sales, Marine Trades associated with Pleasurecraft and small commercial vessels, Commercial Hull, P&I, Boat Clubs, Rowing Clubs, Sailing Clubs and Marine Cargo Commercial Marine Trade All Risks including Marine / yacht yard indemnity covers Enhanced cover options available Mobile tradesman option Proactive Risk Management programme Yachts/ Pleasurecraft Delivery skippers, powerboats used for racing purposes, Ferro cement boats, commercial fishing, charter vessels carrying more than 12 passengers Commercial Marine Trade Commercial fishing vessels, delivery skippers, heavy commercial ship yards, risks with high non marine work related turnover, hovercrafts Contact Towergate Underwriting Marine Tel: (Yacht and Pleasurecraft) [email protected] Tel: (Commercial Marine Trade) Quote & Buy Online - You can also place Pleasurecraft business via PowerPlace Personal Lines

9 Personal Accident, Group and Business Travel Towergate Underwriting PA & Travel (TUPaT) provide underwriting expertise across a comprehensive range of products for individuals and groups accommodating most occupations and organisations, for personal and business needs. Amateur sports clubs - provides a cash benefit in the event of accidental bodily injury to club members whilst taking part in, watching, training, officiating, travelling to away fixtures irrespective of legal liability Group personal accident/ sickness - designed to protect the business against the financial loss through injury to its directors or employees, together with varied operative times and realistic covers and benefits Group annual business travel - to protect against losses occurring in Britain or abroad Individual personal accident/ sickness - for the self employed individual concerned about income replacement, fixing it as close as possible to their weekly income SME group personal accident - protects between 5 and 50 employees in any one business at realistic cost and based on our group wording Scheme arrangements - tailor made covers for block or similar occupations/ businesses Amateur sports clubs - motor competitions/ racing (other than on foot or in dinghies), illness or disease (not resulting from accidental bodily injury) Group personal accident/ sickness - International based companies, multinational programmes, loss of licence Group annual business travel - hazardous activities or travel to areas of unrest unless referred and accepted by underwriters Individual personal accident/ sickness - principle problem areas: diving, offshore workers, aerial photographers SME group personal accident - same as Group PA and Sickness Scheme arrangements - group personal accident principle problem occupations and areas apply Contact Towergate Underwriting PA & Travel Tel: [email protected] Quote & Buy Online - You can also place business via PowerPlace - Personal Lines 7

10 Travel - Single & Annual Multi-trip Towergate Underwriting Travel offers brokers a range of bespoke travel insurance solutions for individuals including single, annual and multi-trip travel. Products Single Trip Travel Annual Multi-trip Travel Economy Annual Multi-trip Travel Mariners Travel Back Packers Travel Winter Sports Travel Key Features Quote and Buy with full medical screening online Single trips of up to 178 days Standard 35 days per trip on Annual Multi-trips with extensions available 21 days winter sports cover included on Annual Multi-trips Most sports/ activities (some included as standard) Ages up to 75 Medical expenses up to 5M Personal Liability Legal expenses Cancellation and curtailment Mugging Missed departure and travel delays Ages over 75 Some hazardous activities Trips longer than 18 months Terrorism Residents outside the UK Mobile phones Contact Towergate Underwriting Travel Tel: [email protected] Quote & Buy Online Personal Lines

11 Travel - Tour Operators & Affinity Groups Towergate Chase Parkinson has been providing tailored travel insurance to the travel industry for many years. The service allows for an innovative and flexible approach to travel insurance and provides a total risk management solution from medical pre screening to claims handling. Tour operator schemes Flight Consolidators Holidays/ flights distributed by Internet/ teletext agencies Affinity groups Coach operators Certain occupations and areas of business - please contact us for more information Contact Towergate Chase Parkinson Tel: [email protected] You can also place Travel business via PowerPlace - Personal Lines 9

12 Agriculture Towergate AIUA is the UK s largest independent agricultural underwriter, providing specialist knowledge and cover to brokers throughout the country. Towergate AIUA offers specialist cover to protect farmers income and flexible underwriting on farm diversification. The dedicated claims team aims for fast and fair settlements, assisted by loss adjusters who are skilled in assessing agricultural losses. Farm Combined - Aimed at working farms such as Arable, Beef, Dairy, Sheep, etc. Pig, Poultry and Livery acceptable with small - medium exposure Agriculture Motor - Farmer - any category, vets with main occupation related to livestock, agricultural contractors, pleasure horse owners, agricultural haulage as an ancillary trade, with up to 25% non agricultural, landscape gardeners, market gardeners / nurseries and estates Garden Centres High Net Worth - Private dwellings and contents, high net worth minimum sums insured buildings 500,000 and contents 150,000 Agricultural Contracting Liability Equine - Pleasure horse. Covers Death, theft, PL, with options to include Vets Fees, Tack & Loss of Use Farm Combined - Liability in isolation, mushroom farms, fish farms, riding schools, hay & straw dealers, animal feed manufacturers and saw mills Agriculture Motor - Motor plant hire, building / contracting trades other than agricultural contractors, forestry / tree felling, haulage (including trees) as a primary occupation, bulk milk delivery, milk rounds-men other than as an integral part of a dairy farm and motor bikes Garden Centres - Majority of buildings of non standard construction with high sums insured for glasshouses, diversification forming dominant part of risk, and wholesale Agricultural Contracting - Non agricultural activities Equine - Horses used for racing / racehorse breeding, horses used at riding schools for tuition purposes Contact Towergate AIUA Tel: [email protected] Quote & Buy Equine Insurance Online Commercial Lines

13 Commercial Combined & Package Towergate Commercial Underwriting (TCU) provide an innovative range of trading solutions for Commercial Combined, Package and Scheme business that can be tailored to individual requirements. TCU s unrivalled expertise in the SME sector enables them to provide a variety of trading solutions: Online commercial underwriting - online underwriting of individual enquiries, with policy documentation available immediately at point of sale Access to underwriters - online & telephone referral capability, allowing negotiation directly with empowered underwriters Development underwriters - on-site account underwriting of portfolio transfers Bespoke schemes - products can be provided under full delegated authorities, providing unique policy cover and white-labelled underwriting solutions Added-value services - including online production of Health & Safety plans and business continuity plans, and telephone help lines providing legal and health & safety advice and employee counselling Flexible commission - starting at 20% for individual submissions TCU s product range includes: Bespoke scheme products tailored to meet your clients needs - contact us to discuss your requirements Commercial Combined Hotels and Guest Houses Offices and Surgeries Public House and Restaurants Shops Contact Towergate Commercial Underwriting Tel: [email protected] Quote & Buy Online - You can also place business via PowerPlace - Commercial Lines 11

14 Commercial Property - GWP below 100k Towergate Underwriting Commercial Property provide specialist small to mid range commercial property owners cover. Products Property Investors - designed for owners/ landlords of let commercial properties and mixed portfolios of commercial and residential properties Flats - designed for owners/ landlords of blocks of flats and let private dwelling houses A wide range of tenancy types Composite capacity and transfer arrangements for larger blocks of business All trades other than the specific trade exclusions All areas other than high risk flood/ subsidence areas Standard construction risks with good claims experience Risks with single location sum insured up to and exceeding 10m substantial EML limits per single location Risks with low / medium fire loads Unoccupied and high risk occupation commercial properties High risk trade exclusions: Casinos, chemical works, nightclubs / fun pubs, farm buildings, foam risks, markets, high-risk plastic processes, rubber goods, sawmills, schools, tyre suppliers, upholsterers & waste/ reclamation risks High risk multi-tenure buildings (e.g. mills) As a guide, cases with GWP of 100,000 or above (excluding Residential) go into our London City office. This is a guide only, we are very flexible and if the case is close to 100,000 GWP you can contact either Romford or London (see page 13 for details). Contact Towergate Underwriting Commercial Property Tel: [email protected] Quote & Buy Online - You can also place business via PowerPlace Commercial Lines

15 Commercial Property - GWP of 100k plus Towergate Commercial Property Underwriting City provide bespoke insurance solutions for mid to large property owners, asset managers and pension funds. Recognised as one of the leading property insurance experts in this sector, our team have over 20 years experience and manage insurance portfolios for some of the UK s largest property owners. Key Features Cover for all risks including Property Owners Liability up to 25m including Terrorism Liability Composite insured as standard - saves the often time consuming noting banks lenders as joint insured s Eviction of squatters 10,000 limit Trace and access - Unlimited Explosion of Steam Pressure plant - unlimited in excess of 1m Environmental Protection/ Green Clause Key Benefits Cover is underwritten on behalf of QBE (Europe) who have an A+ S&P rating Experienced underwriters who can provide a personal service throughout the UK A stand alone TOPS system which produces folio certificates per tenant All claims are handled in house Risk management advice UK Policies issued within 7 days of inception We recognise that brokers may have limited experience placing Pan European programmes and we are happy to offer our advice and assistance in this specialist area As a guide, cases with GWP of 100,000 or above (excluding Residential) go into our London City office. This is a guide only, we are very flexible and if the case is close to 100,000 GWP you can contact either London or Romford (see page 12 for details). Contact Towergate Commercial Property Underwriting City Trevor Fairweather - Director Tel: [email protected] Andrew Whittaker - Director Tel: [email protected] Steve Lawrence - Senior Underwriter Tel: [email protected] Phil Gorman - Senior Underwriter Tel: [email protected] Commercial Lines 13

16 Entertainment Towergate Underwriting Entertainment (TUE) provides insurance solutions for brokers client entertainment and leisure insurance needs. With an experienced team of staff, brokers receive an efficient, personal service giving immediate access to decision makers. TUE s expertise has enabled them to develop a range of products covering a variety of risks that are often difficult to place. Entertainment Industry Cover Adverse Weather Advertising Agencies Cancellation, Abandonment & Non- Appearance Confidential Death & Disablement Equipment Hirers Events Event Management Companies Film Production Kidnap, Extortion & Detention Model Agents & Model Management Musicians & Entertainers Post Production, Editing Professional Sound Recording Leisure Industry Cover Amusement Arcades Bingo Halls Bowling Alleys Casinos Fairgrounds Health & Fitness Clubs (Excluding Treatment Risks) Leisure / Theme Parks Showmen Snooker / Pool Hall Visitor Attractions Contact Towergate Underwriting Entertainment Tel: [email protected] Quote & Buy Online Commercial Lines

17 Liability Towergate Underwriting Liability and Construction (TULaC) has been one of the leading providers of combined and specialist liability insurance to intermediaries for over 10 years. TULaC can offer cover for nearly 1000 trades and the liability cover for a wide range of industries and occupations, such as fast food outlets, couriers and garden centres. Products Max 10/10 (per capita) Excess of Loss Contractors All Risks (CAR) Employers Liability Public/Product Liability Fire and Security Liability Cleaning Contractors Liability Electrical Contractors Liability Combined Liability and Contractors All Risks Close to 1,000 trades, including Manufacturing, Wholesale, Retail Construction and Leisure Wages/ Turnover rated Per Capita rated products - up to 10 rateable workers Public and Products Liability up to 10m primary layer Employers Liability 10m primary cover Contractors All Risks up to 10m any one contract Incidental Property, Business Interruption and All Risks covers Excess Layer Public, Products, Employers and Motor Liability Poor performing risks, Asbestos removal contractors, Aviation Risks, Invasive medical products Excess of loss following Gable or Quinn Contact Towergate Underwriting Liability and Construction Tel: [email protected] Quote & Buy Online - You can also place business via PowerPlace - Commercial Lines 15

18 Professional Indemnity Towergate Underwriting Financial Risks (TUFR) offer specialist professional indemnity cover for a broad range of occupations through it s consortium product led by RSA, and panel insurers including Hiscox and Novae for more bespoke risks. TUFR s enhanced product range is suitable for traditional and emerging professional indemnity risks and portfolio transfer facilities are available. Professional Indemnity for: Accountants / Architects / Advertising Agents / Estate Agents / Surveyors / IT Consultants / Design & Construct / Engineers / Secondary Intermediaries / Emerging trades & professions / A wide range of Miscellaneous Professions / Charity Trustees / Excess Layer PI policies Directors and Officers Liability Matrix rated self quote facilities / Standard, Entity and EPL exposures / Legal Expenses / Bespoke D&O risks Recruitment Agents Professional Indemnity / Public & Employers Liability / Incidental Property covers Professional Indemnity for: Solicitors / IFAs with substandard loss history / Large Financial Institutions / Actuaries / Pure Medical Malpractice Directors and Officers Liability Offshore Companies Recruitment Agents Risks with Substandard loss history Our Capabilities 20m Professional Indemnity limits (per risk basis) Bespoke policy wordings Guaranteed 48 hour quotation response Contact Towergate Underwriting Financial Risks Tel: [email protected] Quote & Buy Online - You can also place business via PowerPlace Commercial Lines

19 Transit and Cargo With over 30 years experience Towergate Underwriting Transit and Cargo (TUTaC) is a specialist provider of insurance for all aspects of Freight Liability, Removers and Storers, Goods in Transit and Marine Cargo Risks, especially for larger and unusual risks that are often hard to place. Specialist policy wordings are available for the Freight Industry and Removers and Storers. Haulage Contractors Freight Forwarders Warehousemen Removers and Storers Car Transporters Refrigerated Carriers Container Operators Carriage of thief attractive goods We will look to assist in providing cover for any aspect of Freight Liability, Removers and Storers, Goods in Transit and Marine Cargo Risks Contact Towergate Underwriting Transit & Cargo Tel: [email protected] Commercial Lines 17

20 Transportation Towergate Underwriting Transportation is the specialist underwriting division for commercial vehicles, vehicles used for hire and reward and minibus risks. Our specialist products cater for a wide variety of risks, from owner operators to multi vehicle fleets and offer an extensive range of benefits for you and your clients, including risk management services to help reduce claims. Products Towergate Commercial Fleet - for between 5 and 200 vehicles (Cars, Vans, HGVs) Towergate Trucks - for between 1 to 5 vehicles (Vans and HGVs) No Fuss Minibus - for between 1 and 5 minibuses Coming soon - cover for buses and coaches Building and Allied Trades (Own Goods)* Building and Allied Trades (hire and reward) General Haulage (hire and reward) Own Goods (50% by HGV) Own Goods (vans and light trucks) Mini Buses Owner-driver schemes Skip Hire Couriers Car Transporters Taxi Fleets High Hazard Goods Mandatory & request stop bus services * (From single vehicles to 200 vehicle fleets) We also provide all of the ancillary fleet covers, for example: Goods in Transit, Liability, Engineering, Income Protection and Legal Expenses. Contact Towergate Underwriting Transportation Tel: [email protected] 18 Commercial Lines

21 Other Products for Brokers Aviation Aircraft - hull and liabilities Airfields Buildings, contents and employers liability for aviation and related businesses Businesses on airfields Business connected with the aviation industry Employers liability (for the aviation industry) Employers Liability cover for helicopter, microlights and balloons Flying clubs Maintenance facilities Caravans/ Park Homes Touring, motor, trailer/folding and static holiday caravans Residential park homes Commercial Insurance for park operators Caravan Park Operators Commercial and block caravan holiday homes Care Homes Care homes providing personal care only Care homes providing personal care with nursing Hospices Supported living Commercial (SME) Risk Management led SME business Commercial Combined, Property Owners and Marine Cargo risks over 5,000 premium Hayward Aviation Tel: [email protected] Towergate Bakers Tel: [email protected] Towergate Holiday Caravans Tel: [email protected] Towergate Patrick Tel: [email protected] Fusion Insurance Tel: [email protected] Other Products for Brokers 19

22 Other Products for Brokers Credit Insurance & Bonds Credit Insurance Political Risks Risk Management Surety Bonding Corporate Finance Transactions Directors & Officers Liability Insurance Specific to Residential Block Management Companies Golf Clubs/Sports & Social Clubs Golf Clubs (Commercial) Individual Golfers Sports and Social Clubs HM Forces Insurance Kit & Personal Possessions Personal Accident Buildings Contents Let Property Term Life & Critical Illness Travel Regiment Insurance Service (Non public) Funds Lloyd s and London Market If the Underwriting teams are unable to provide cover or terms required, please approach us for any of the classes listed below: Liability Property Professional Indemnity Medical Malpractice Product Recall Environmental Impairment Motor Fleet Jeweller s Block HNW Terrorism TL Risk Solutions - Credit Tel: [email protected] Towergate Risk Solutions North London Tel: [email protected] CCV Underwriting Sports and Leisure Tel: [email protected] Towergate Wilsons Tel: [email protected] Towergate London Market Tel: [email protected] 20 Other Products for Brokers

23 Other Products for Brokers Marine Cargo Stand alone or as part of a Commercial Combined product Transit risks inland and international Stock Throughput Freight Liability Medical and Caring Professions Professional Indemnity Practices Locum Protection Hospices and Charities Surgeries Practice Benefits Photographers Professional Photographers Semi-Professional Photographers Amateur Photographers Professional Indemnity Insurance Shoot Cancellation Hired In Equipment Combined Insurance for: - Studios - Picture Libraries - Processing Laboratories - Multimedia companies Travel Tailor-made Travel Insurance Schemes Travel Bonding & Financial Failure Insurance Third Party Car Hire Excess Waiver Insurance* Tour Operators Liability Insurance Office Combined Insurance Drivers and Couriers Insurance Merchant Bonds Crisis Management Insurance Scheduled Airline & Supplier Failure Insurance * In association with Insurance4carehire.com Fusion Insurance Tel: [email protected] Towergate MIA Tel: [email protected] Towergate Camerasure Tel: [email protected] Towergate Chapman Stevens South Region - Andrew Day Tel: [email protected] North Region - Steve Browne Tel: [email protected] General Enquiries Tel: [email protected] Other Products for Brokers 21

24 In addition to all you would expect from a leading insurance provider, Towergate has an unparalleled range of specialist insurance solutions including: A Abattoirs Aboriculturalist Accident Sickness & Unemployment Cover Activity Centres Advertising Agencies Agricultural Agricultural Combined Agricultural Vehicle & Fleet Airforce Personnel Alarm Installers Amateur Photographers Amusement Arcades Antique & Fine Art Dealers Army Personnel Aviation B Bed & Breakfast Bingo Halls Boat Builders/Repairers/ Traders Bonds & Guarantees Bowling Alleys Builders Merchants Buy to Let Properties C Cancellation, Abandonment & Non-Appearance Caravan Parks (Holiday, Touring & Residential) Caravans Care Homes Carpet Warehouses Caterers Charities Cherished Cars Chiropractors Cleaning Contractors Clothing Trade Coaches & Buses Commercial Combined Commercial Legal Expenses Commercial Package Commercial Property Owners (GWP below 100k) Commercial Property Owners (GWP of 100k plus) Commercial Vehicle Competition Cars Complementary & Alternative Medicine Practitioners Computers Confidential Death & Disablement Construction Contractors Counselling & Other Therapists Couriers Credit Insurance Criminal Convictions D Demolition Directors & Officers Doctors & Dentists DSS / Students E Electrical Heating Engineers, Retailers & Wholesalers Environmental Impairment Equine/ Equestrian Equipment Hirers Errors and Omissions Event Cancellation / Adverse Weather Events Excess Layer Liability Exhibitions F Farm Motor/Package Film Producers Combined Financial Failure for Tour Operators Fire Extinguishing Fish Merchants Flats Fleet & Mini Fleet Fleet Risk Management Food & Drink Manufacturing Football Clubs Formula One Foundries Freight Liability Funeral Directors Furniture & Cabinet Makers G Garden Centres Golf Clubs Golf Clubs (Personal) Goods in Transit H Haulage Health & Fitness Clubs Healthcare Products High Net Worth (Homes) Holiday Homes & Chalets Homes - Standard & Non Standard Hospices Hotels & Guest Houses I Insurance PI IT Consultants PI J Jetskis Jewellery Trade & Shops K Kidnap, Extortion & Detention L Leisure Parks Let Properties Liability Lift Engineers Listed Properties M Machine Manufacturers Management Consultants Marine Cargo & Liability Marine Commercial Marine Trades Marketing Specialists PI Marquee Hire Meat Processing Medical Malpractice PI Medical Professions Metal Fabricators/ Metal Working Military Kit & Home Military PA & Travel Minibus Model Agencies & Model Management Monumental Masons Mortgage Brokers PI Motor Homes / RVs Motor Sport Multi Tenure Music Producers Combined Musical Instrument Equipment N Navy Personnel Nightclubs O Office & Surgeries Officers Effects Osteopaths Overseas Holiday Homes P Park Homes Performance Cars Performing Arts Personal Accident Pest Control Petrochemical Photo Laboratories Photo Libraries Photographic Studios Plastics Pleasurecraft Post Production Facilities Pottery & Ceramics Precision Engineers Printers Product Recall Professions PI Professional Indemnity Professional Photographers Professional Sportspeople Property Owners (GWP below 100k) Property Owners & Investors (GWP below 100k) Property Owners (GWP of 100k plus) Property Owners & Investors (GWP of 100k plus) Pubs & Restaurants Q Quantity Surveyors PI R Recruitment Agencies Removal Contractors Restaurants Retailers Roofers Rubber Processors Rugby Clubs & Players S Scaffolders Security Companies Skip Hirers Sports & Leisure Clubs Steel Erectors Storers Structural Engineers Supply Teachers Surgeries (Locum) Surveyors T Take Aways Taxis & Mini Buses Thatched Property Timber Built Properties Tour Operators Liability Travel Indemnity Bonds Travel Single & Annual- Multi Trip Travel Tour Operators & Affinity Groups Combined Liability U Underpinned Properties Unoccupied Commercial & Residential Properties V Veterinarians W Weddings Insurance Wine Bars Y Yacht & Boating Clubs Yachts & Small Craft Z Zoos & Safari Parks Towergate Underwriting is a trading name of Towergate Underwriting Group Limited. Registered Address: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent, ME14 3EN. Registered in England No Authorised and regulated by the Financial Services Authority 6005/181/F/11.10/Feb 2011