Insight


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Emerging Risks for 2020 - February 2020

As a business, your top priority will understandably be keeping a competitive advantage and ensuring that you remain an attractive proposition for your clien...

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Information Update - Why is it so Important to have regular updates to your watches insurance valuations

Watches are highly collectable, take up little space and incur no Capital Gains Tax. As such they are becoming increasingly popular as an investment option....

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Risk Alert - Whirlpool appliances recall highlights fire risk in white goods

More than half a million households using Creda, Hotpoint and Indesit washing machines have been urged to unplug them immediately due to the risk of fire.

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Newsletter - Issue 12, Winter 2019: Bolton Student Fire Underlines Need for Effective Risk Management

An investigation has been launched into the fire at a student accommodation block in Bolton on 15 November, which spread rapidly to the upper floors of the b...

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Risk Alert - Flood Cover for Business: Looking beyond the headlines

It has been a torrid week in flood affected regions of England after the rivers Don, Severn and Avon burst their banks, with thousands of residents and busin...

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Newsletter - Issue 11, Autumn 2019

A recurring and entirely legitimate question from UK businesses is whether cyber insurance will pay out in the event of a claim. The recent reassuring answe...

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Risk Alert - 'No-Deal' Brexit - Green Card Update

With continued uncertainty over Brexit, but with the Government’s avowed intention to leave the EU by 31 October, freedom from Green Cards may come to a swi...

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Newsletter - Issue 10, Summer 2019

So called "ransomware" attacks against businesses have surged in 2019*, underlining the need for continuing vigilance against the growing threat of cyber attack

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Insurance Update - New Ogden rate widely criticised

The government's decision to make only moderate changes to the system which sees courts determine how much insurers should pay out to claimants in cases of l...

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Risk Alert - Driving in Europe is Changing, Deal or No-deal

With Brexit agreement hanging in the balance, and much to still surface on the precise nature of our departure arrangements, there are things that need to be...

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Health & Safety Bulletin - May 2019: Recent spate of fires caused by electrical faults suggests businesses need to check electrical systems

Recent fires at premises as diverse as Ocado's distribution center in Andover, Chester Zoo and most recently Notre Dame Catherdral, have been found to be cau...

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Insurance Update - The Homes (Fitness for Human Habitation) Act 2018

The Homes (Fitness for Human Habitation) Act 2018 will give tenants new rights, including the ability to sue landlords who fail to adequately maintain their...

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Newsletter - Issue 9, Spring 2019

Insurance industry works to minimise Brexit disruption

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Towergate Insurance Brokers Corporate Brochure

Towergate began its journey in 1997. Since then we have acquired many local insurance brokers, growing rapidly to become one of the UK’s largest insurance...

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Health & Safety Bulletin - April 2019: HSE Intervention Enforcement Notices on the Increase

When the HSE launched its controversial Fee for Intervention scheme in 2012, there were concerns that this was little more than a money raising exercise by...

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Health & Safety Bulletin - April 2019: Notra Dame Blase Highlights risk of "Hot Works"

Although investigators now say that the most likely cause of the recent devastating fire at Notre Dame was an electrical-short circuit, initial reports sugge...

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Limited Companies: Have you considered Business loan protection... For when your personal liability is not limited?

One of the benefits of running a business as a Limited Company is the reassurance of ‘limited liability’. This means no personal liability for any financial...

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Risk Alert from Towergate on Storm Gareth
Risk Alert - Property Storm Advice from Towergate Insurance Brokers, as Storm Gareth Hits

A deep area of low-pressure, which will advance across the north of the UK late on Tuesday into Wednesday morning, has been named Storm Gareth. Gareth will b...

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Risk Alert - 'No-Deal' BREXIT and the Green Card

The UK is currently part of the European ‘free circulation zone’ meaning UK motorists can legally drive their vehicles in any European Economic Area (EEA) c...

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Risk Alert - Directors' & Officers' (D&O) Lawsuit results from Social Engineering Losses

In 2016, the CEO of FACC, a Chinese owned, Austrian-based aerospace parts manufacturer, was duped in a social engineering scheme that ultimately cost the com...

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Information Update: A Guide to Arranging Commercial Insurance

Shopping around for commercial insurance can be a time consuming and stressful process.

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Risk Alert - How to reduce Your Exposure to Escape of Water

It’s that time of year again, with snow and ice on the way. And with cold weather comes the risk of burst pipes and escape of water. During winter, frozen pi...

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Newsletter - Issue 8, Winter 2019

Business Interruption Confusion continues and Underinsurance remains a key problem, suggests CII

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Risk Alert - Fleet Operator Fire Accumulation Risk

Losing one vehicle due to fire can be a costly and disruptive event. Losing a fleet of vehicles due to fire spreading to several vehicles parked close togeth...

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Risk Bulletin - UK Company Directors 'Legally Exposed' by poor BREXIT plans

Directors of many of Britain’s companies may face large liability risks if unprepared for Brexit. According to insurance consultancy Mactavish, this will par...

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Risk Alert - Return of the Beast from the East

Forecasters have warned of a repeat of last year’s Beast from the East until March. This time last year extreme weather stranded drivers on motorways, ground...

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Risk Alert - Brexit stockpilers face 'huge risk of underinsurance'

Businesses that stockpile goods in preparation for potential Brexit related disruptions are leaving themselves at risk of being underinsured.

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Risk Alert - SMEs’ biggest concern after BREXIT

Smaller companies are ‘losing talent’ to larger competitors because the benefits they offer are less attractive.

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Risk Alert - Christmas 2018

Avoiding mistletoe madness

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Newsletter - Issue 7, Autumn 2018

BREXIT: Uncertainty raises questions over cover

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Risk Alert - Management Liabilities

Insured or not? Directors face increasing defence costs and bigger fines

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Safety Guidelines for Fireworks Displays

Bonfires and fireworks events can be popular fundraising opportunities but have the potential to cause damage and serious injury. If your school, charity or...

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Insurance Update - Claims Defensibility Review Service

As a business owner you may have already experienced the time-consuming process and stress that can be associated to dealing with a claim.

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Risk Alert - Terrorism Update

The evolution of terrorism and the ideological threat.

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Risk Alert - Subsidence

After one of the hottest summers on record, UK insurers are now bracing themselves for a surge in subsidence claims.

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Risk Alert - Fleet Safedrive

Control your driver risks, protect more than your bottom line

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Risk Alert - Crime Insurance

Economic crime continues to be a major concern for organisations of all sizes, across all regions and in virtually every sector. One in three organisations r...

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Risk Alert - Summer Risks 2018

With no end in site for the current UK heatwave, for those in the leisure and tourism sectors 2018 could well turn out out to be one of the finest summers o...

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Newsletter - Issue 6, Summer 2018

World Cup £1.5BN insurance shines spotlight on cancellation cover.

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Risk Alert - CO2 shortage

Carbon dioxide shortage exposes supply chain risks

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Insurance Update - Arrange Your Business Insurance

A guide on how best to arrange your business insurance.

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Information Update - Cyber Crime

Cyber & Data - Digital technologies are an essential part of business today. All businesses rely on information technology (IT) infrastructure to some degree...

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Information Update - Health & Protection Group Risk Terrorism

Following the recent terror attacks in Manchester and London, we’ve had some questions about insurance cover. Here’s how Group Income Protection, Group Criti...

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Risk Alert - Cyber Liability

Since most businesses in the UK now use the internet, email or cloud technology as an integral part of their operation, they become ever more reliant on tech...

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Risk Alert - GDPR Directors Liability

Already under attack from several directions, including ever more stringent regulatory compliance and the threat of shareholder activism, the last thing that...

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Information Update - Towergate Assist

When disaster strikes, a quick effective response can be vital to keep you in business. Large losses can be complex and need assistance from experts.

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Insurance Update - Civil Liability Bill

Liability premiums set to reduce as Civil Liability Bill unveiled.

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Risk Bulletin - Health & Safety Competent Person

The technical bit. Regulation 7 of The Management of Health and Safety at Work Regulations 1999 states that “Every employer shall, subject to paragraphs (6)...

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Risk Alert - Winter Risks

Risk Management can be challenging at the best of times. So we thought you might appreciate some useful tips..

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Information Update - Private Client 3 Reasons Why

3 reasons why you should talk to Towergate about your Private Client needs:

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Risk Alert - Carillion

You will now be aware of the recent announcement about the liquidation of Carillion. With such a massive and complex failure, at this stage some of what is b...

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Information Update - Guide to Business Protection

The Rough Guide to Business Protection

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Newsletter - Issue 4, Winter 2017

The sudden collapse of UK construction conglomerate Carillion means that crucial steps will need to be taken by affected suppliers to ensure the best possibl...

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Information Update - Personal Accident and Business Travel Insurance

Personal Accident and Business Travel delivers vital business interruption protection and helps customers meet their legal obligations. Additional services o...

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Risk Alert - Flood Risk

Your business flood risk factsheet. Time and tide wait for no one, so there’s no time like the present to be sure that you’ve taken the necessary precautions...

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Insurance Update - Ogden Reforms

UK insurance brokers have called on the Government to act quickly to implement changes to the system which sees courts determine how much insurers should pay...

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Risk Alert - Storms

ABI urges business to plan now for prospect of future storm damage

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Information Update - Environmental Impairment Liability

Towergate Insurance Brokers is strongly committed to protecting clients from environmental risks. There is no substitute for experience and Towergate Insuran...

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Newsletter - Issue 3, Autumn 2017

Construction professionals continue to be left in a state of some confusion, in the aftermath of the appalling fire at Grenfell Tower.

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Information Update - Health & Safety

Our EXCLUSIVE Health & Safety portal that will help keep your business in great shape.

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Information Update - Underinsurance

Valuation experts Barrett Corp & Harrington say “On average 77% of the properties they survey are underinsured by 45%”

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Information Update - Cyber Crime Video

Cyber Crime can affect any business. To view the informative video regarding the risk of cyber crime to your business select the link within the main story.

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Information Update - Management Liability

There are three key areas to a management liability policy, Directors and Officers Liability, Employment Practices Liability and Corporate Legal Liability....

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Insurance Update - Brexit Underinsurance

It’s been a year of tumultuous news, from the unexpected death of David Bowie, the rise and fall – and rise again – of Boris Johnson, and most recently the e...

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Insurance Update - Insurance Premium Tax 12%

In his Autumn Statement, The Chancellor, Philip Hammond, unveiled plans to raise insurance premium tax (IPT) to 12% from 1st June 2017, up from the 10% previ...

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Insurance Update - Enterprise Act

On 4th May 2016, the Enterprise Act 2016 was passed. This new legislation provides policyholders with a potential right to claim for damages due to late paym...

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Information Update - Credit Insurance Cover

If you answer yes to any of the questions asked in the attached document, then speak to us about Credit insurance cover

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Risk Alert - Exposure to Terrorism

The UK Government advises that the threat level from terrorism in mainland Britain for the UK is currently ‘Severe’, which is the next level up from ‘Moderat...

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Risk Alert - Underinsurance

The Insurance Act 2015 represents a seismic shift in insurance law since 1906 and came into force on 12 August 2016. The requirements of the Act are exactin...

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