News and Insights


solar-panels-at-sunset.jpg
Risk Management Considerations for Solar Panels/Photovoltaic (PV) Panels

In the drive towards achieving environmental sustainability and energy efficiency and we are seeing an increase in the use of Solar Panels/Photovoltaic Cells...

Read More
Well-groomed senior boss speaking on the phone in office.jpg
How to Get and Keep Workers Over 50

The pandemic prompted many people in the over 50s age group to reassess what was important to them and many quit their jobs as a result. But the cost-of-livi...

Read More
Man-drinking-coffee-and-working-at-laptop-in-kitchen.jpg
Five Tips For Supporting Staff Working From Home

Although the days of the pandemic are behind us, homeworking is here to stay. Here we detail five top tips for employers when it comes to supporting employee...

Read More
GettyImages-1441853696 (1).jpg
Asbestos: The Secret Hitchhiker

Today, the populations most heavily exposed to asbestos are those in construction trades. However, because asbestos can cling to clothes, someone in the con...

Read More
GettyImages-1420039900.jpg
Ransomware on the Rise (Again)

Ransomware has been a key issue for UK business for several years now and we have seen the landscape change from high volume attacks asking for relatively sm...

Read More
GettyImages-1097673712 (1).jpg
Here to Help Keep Your Business in Check

SK Risk Solutions complements Stallard Kane’s Health & Safety, HR & Employment Law and Training services, offering a comprehensive solution to help keep ever...

Read More
GettyImages-1404661968 (1).jpg
EICR Blog 1: The Importance of EICR for Workplace Safety

The first of three blogs from Stallard Kane regarding Electrical Installation Condition Reports.

Read More
GettyImages-1404661968 (1).jpg
EICR Blog 2: Understanding EICR: A Quick Guide

The second of three blogs from Stallard Kane regarding Electrical Installation Condition Reports.

Read More
GettyImages-1404661968 (1).jpg
EICR Blog 3: EICR: The Benefits for Business Owners

The third of three blogs from Stallard Kane regarding Electrical Installation Condition Reports.

Read More
Golden crown on a black background.jpg
Another Bank Holiday? The Coronation of His Majesty King Charles III

Last year, our Prime Minister proclaimed a bank holiday in honour of the coronation of His Majesty King Charles III. The bank holiday will fall on Monday 8th...

Read More
GettyImages-507062441.jpg
Martyn’s Law: What is Protect Duty and How Will It Affect Your Organisation?

On 22nd May 2017, Martyn Hett was one of 22 people killed in a terrorist attack. Over 1,000 more were injured when suicide bomber Salman Abedi detonated a ho...

Read More
HMRC tax letter heading surrounded by UK currency.jpg
Is Your Life Cover Tax Efficient?

Corporation Tax for companies with profits of £250,000 or more increased from 19% to 25% on 6 April 2023. This means that the majority of businesses in the U...

Read More
Supervisor at a car workshop checking tablet while mechanic work.jpg
The Top Things that Affect Motor Trade Policies

When it comes to motor trade insurance, there are some key things that could affect policies. It is important to recognise and understand these if you are in...

Read More
EDN_LExXsAItw3P.jpg
Bad Debt Kills Businesses

One challenge that can really bring a business to its knees is bad debt – when a company doesn’t get paid the money owed to them by another business.

Read More
businessmen blurred.jpg
Insurance Market Conditions in the UK – 2023

After a four-year period of dramatic rate correction across the UK and global insurance markets, average rate increases for insurers broadly returned to sing...

Read More
Cyber crime insurance
What Can We Expect to See in the Cyber Market in 2023?

It is safe to say the cyber market continues to evolve at a pace, maybe not the breakneck speed of previous years, but nevertheless as we start to move into...

Read More
Insurance broker
Top Reasons to Use an Insurance Broker for Peace of Mind When it Comes to Insurance Coverage

Are you looking for the right level of insurance coverage but don't want to spend too much time and effort on it? An insurance broker may help you find a bet...

Read More
"Recharge Your Iman" Ramadan Kareem Quotes written on a book.jpg
Considering Muslim Employees During Ramadan

Ramadan is one of the most important religious celebrations in the UK with over 3.3 million Muslim citizens potentially observing strict rules. It is importa...

Read More
Spring-statement-coins
Spring Statement 2023: What You Need to Know

What do businesses need to know about the Spring Statement that Jeremy Hunt, the Chancellor of the Exchequer delivered on 15 March 2023?

Read More
Woman clutching her heart with a diagram of the heart showing heart problems.jpg
Are Your Younger Employees at Increased Risk of a Heart Attack?

Our sister company Towergate Health & Protection have noticed an increase in heart attack claims from a younger demographic than before. With official figure...

Read More
Tenant Farmers Association Logo.PNG
TOWERGATE ANNOUNCED AS NEW OFFICIAL PARTNER OF TENANT FARMERS ASSOCIATION

Towergate is pleased to announce the launch of a new farm insurance affiliation with The Tenant Farmers Association (TFA).

Read More
ezgif-5-31fcfbed3f.jpg
What Claims Inflation Means For You in 2023

Costs for materials and energy continue to climb in 2023, caused by a number of situations including the continued fallout from the Covid Pandemic, Brexit an...

Read More
health-and-wellbeing-support
Employers Must Invest in Targeted Wellbeing Support to Really Make a Difference

Employers must invest in targeted wellbeing support to keep their workforce strong in 2023, says our sister company and part of the Ardonagh family, Towergat...

Read More
Business Continuity Concept.jpg
The Importance of Having a Business Continuity Plan

Businesses facing disruption is nothing new. Many are exposed to incidents ranging from minor to major all the time. This is why all business should have a r...

Read More
header-2019-Oct-no-deal-brexit-green-card-update.jpg
Wine Company Fined £800k after HGV Driver Killed at Salford Depot

A wine and drinks supplier has been fined after a visiting HGV driver was killed after being hit by a forklift truck at its depot in Salford.

Read More
listing-flood-barriers-erected-to-protect-local-population-in-Worcester.jpg
Flood Planning and Preparation for Your Home

Floods can occur at any time during the year. That's why it's never been more important to invest time into creating a flood plan to protect your property an...

Read More
Padlock with keyhole in cyber security.jpg
Cyber Insurance for UK SME Businesses

Did you know that 39%* of small businesses in the UK have suffered a cyber attack, and the average cost of a breach for SMEs is around £3,000? In today’s dig...

Read More
listing-meeting-with-directors-of-an-organisation..jpg
Do you need Directors and Officers Insurance?

As the leaders of your organisation, your company’s director(s), manager(s), supervisor(s) and board member(s) could be held personally liable and may find t...

Read More
listing-are-you-covered-written-under-torn-paper.png
Underinsurance disasters waiting to happen

Businesses across the UK that are already struggling thanks to surging inflation and its knock-on effect on the cost of living, may not be able to survive th...

Read More
listing-women-with-electronic-tablet-in-office-corridor.jpg
Silent Insurance Reviews – what are they and do I need one?

Until you need to make a claim, do you really know how good your insurance is? Can you be certain that your existing policies provide the right protection...

Read More
listing-womens-hand-view-using-calculator-on-desk-with-paperwork-and-laptop.jpg
How the cost of living crisis is prompting customers to make bad choices when it comes to insurance

Soaring inflation is hitting everyone hard. All industries, businesses and individuals are affected, and the insurance industry is no exception.

Read More
Winter power cuts thumbnail.png
Winter Power Cuts 2023

Advice on how to protect your businesses in the event of a potential power outage.

Read More
listing-snowy-road-with-traffic-cones-signage-and-cars.jpg
Bad Weather Business Continuity Tips

Prepare your business for winter with Towergate's guide to bad weather business continuity planning.

Read More
snow-and-ice-in-getter-over-hanging-windows.jpg
How to Weatherproof Your House for Winter

Simple tips to weatherproof your house for winter 1. Winterize the doors and windows · 2. House repairs · 3. Burst pipes · 4. Electrical installation · 5. Ch...

Read More
FloodFlash-3.jpg
How to Prepare your Business for Flooding

As your insurance broker our business focus is keeping you in business. We have helped our clients stay afloat when extreme weather events have damaged their...

Read More
hand-shot-signing-paperwork-with-set-of-keys.jpg
What Landlord’s Insurance Do I Need?

Not sure what landlord’s insurance you need? Residential or commercial, mixed-use, or multiple premises we’ve got it covered.

Read More
claims.jpg
How Can SMEs Prepare for the Looming Recession?

Small businesses have possibly never faced more challenging trading conditions, but there are certain measures that SMEs can take that can help mitigate the...

Read More
header-underInsurance-and-business-interruption.jpg
The Biggest Threats to UK Small Businesses Right Now

And how owners are protecting their businesses against threats with the mounting pressure of the cost of living crisis

Read More
Grey fleet thumbnail 350 x 195.png
Grey Fleet and Employer Responsibilities

The number of companies relying solely on their own fleet of vehicles to provide mobility for their employees has been declining for several years. Conversel...

Read More
listing-header-homely-cozy-christmas-living-room-scene.png
Drink driving: Keeping safe this festive season

December is the month of celebrations for many of us as we head out to meet family, friends and work colleagues to enjoy the festivities. Before you head out...

Read More
Checklists to Protect Your Businesses Against Winter Risks
The importance of a solid Business Continuity Plan this winter

As we approach winter, it’s important as a business, you begin to think about what might happen if more employees than usual are off sick or unable to get in...

Read More
investor-in-customers-gold-trophy.jpg
Investor in Customers (IIC) Gold award 2022

Towergate are incredibly proud to share the news that for the third year running, they have been awarded the Investor in Customers (IIC) Gold award for 2022.

Read More
thumb-rsw-looking-through-a-car-window-screen-in-snow.png
Road Safety Week 2022 and Winter Driving

Road Safety Week takes place between 14th and 20th November 2022. The theme of Road Safety Week 2022 is SAFE ROADS FOR ALL, bringing together communities and...

Read More
silicosis.jpg
What is Silicosis?

Silicosis is a pathological condition of lungs, which is caused by inhalation of silica. This condition develops after exposure to silica dust over time. It...

Read More
uk-terrorism.jpg
How to Prepare your Business for the New UK Terrorism Law

New terrorism legislation is due to be introduced in the UK. A response to the suicide bombing at Manchester Arena on 22 May 2017 which killed 22 people and...

Read More
musculoskeletal.jpg
What are Musculoskeletal Disorders (MSDs)?

They are injuries or pain in the human musculoskeletal system, including the joints, ligaments, muscles, nerves, tendons, and structures that support limbs,...

Read More
how-far-would-your-business-go-to-fight-climate-change.png
How Far Would Your Business Go to Fight Climate Change?

US outdoor clothing retailer Patagonia made headlines when the owner Yvon Chouinard announced he was giving his company away to fight climate change.

Read More
fork-lift-driver.jpg
Fork-Lift Trucks and Power Pallet Trucks

The use of fork-lift trucks and power pallet trucks (FLT and PPT) are a significant boon to almost all operations, removing several risks and adding a level...

Read More
xmas-office.jpg
Christmas Festivities and Decorations – the Risks!

Yes – I’m afraid so ... it looks like health and safety madness. But I’m going to try and look at the risks, provide some food for thought (not Christmas pud...

Read More
Cost of living crisis thumbnail.png
Coping With The Cost-of-Living Crisis

There’s no way to sugar-coat it: there’s a cost-of-living crisis in the UK right now, and things are only going to get worse.

Read More
driving-van-thumb.jpg
Fatalities and Accidents at Work

Whilst the UK has one of the safest environments in which to work, with realistically, very low incidents of fatalities, fatal accidents still occur and are...

Read More
listing-glass-office-tower-blocks.jpg
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...

Read More
flash-floods-thumb.jpg
Facing the Threat of Flash Floods

FloodFlash surveyed 500 financial decision makers either at risk of flooding, or worried about the risk of flooding and 200 insurance brokers to find out wha...

Read More
warranty-and-indemnity - thumb.jpg
Warranty and Indemnity (W & I) Insurance: An Overview

W&I insurance can be obtained either by the buyer or the seller in a transaction to protect either party from unknown or unforeseen liabilities resulting in...

Read More
building-site-thumb.jpg
Limitation and the UK Building Safety Act: new claims and what insurers may have missed

The Building Safety Act 2022 (the Act) became an Act of Parliament on 28 April 2022. It brings with it the most wide-ranging changes to building safety that...

Read More
architects-thumb.jpg
New Draft Guidance from the ARB

Back in May 2022, The Architects Registration Board (ARB) released new draft guidance on the insurance cover architects must arrange to ensure they’re compli...

Read More
driving-van-thumb.jpg
How to Avoid Becoming Dehydrated While Driving

Listen to any weather update this week and you’ll hear it – the UK is experiencing a heatwave, with expected highs of over 30 degrees.

Read More
small-business-thumb.jpg (1)
How a Commercial Property Valuation Can Protect your Business

As fresh warnings are issued that up to 50% of businesses do not have adequate insurance, it’s important that commercial property owners take steps to check...

Read More
small-business-thumb.jpg
Firms taking a risk without the protection of small business insurance

Starting your own small business is as exciting as it is nerve-wracking. Being your own boss is a great opportunity to enjoy the freedom of making key decisi...

Read More
fuel-pump-thumb.jpg
How can we reduce the cost of filling our vehicle?

It seems every time we go to the petrol station the cost of fuel is going up, from one day to the next, there seems to be a penny increase here and a penny i...

Read More
port-of-dover - thumb.jpg
What Lessons can Employers Learn from the P&O Affair?

P&O has drawn widespread condemnation for the way it has dismissed around 800 employees from its ferry services in the UK. The affair has brought attention t...

Read More
digital-transformation-thumb.jpg
The digital insurance transformation

The insurance industry has seen the arrival of an era of digital insurance transformation in response to changing customer needs and the Covid 19 pandemic.

Read More
two-east-asian-men-in-white-hats-in-warehouse-one-with-tablet-in-one hand-gesturing-to shelf-with-other.jpg
A Beginner's Guide to Commercial Combined Insurance

One policy. One premium. One renewal date. Sounds simple, right? In this guide we’re stripping Commercial Combined Insurance back to basics to be just as it...

Read More
man-relaxing-thumb.jpg
Three no-fuss ideas for self-care

Self-care doesn’t have to be self-indulgent, and it’s not just for women. It’s a vital element of being a functioning person in society.

Read More
flood-thumb.jpg
Flooding – do business owners know their risk?

Data from our partners at FloodFlash suggests that British businesses are under serious threat. Are they aware of the threat though?

Read More
D and O Insurance  - thumb.jpg
Why Directors and Officers Insurance is Crucial to your Business

More and more litigation is being brought against individuals within business senior leadership teams who make decisions on behalf of the business.

Read More
listing-shirted-mans-fringer-adding-to-graph-graphics-on-glass-screen.jpg
2022 predictions – Economic outlook for 2022

Lynn Mildner, Towergate’s Director of Credit, explains how 2022 is looking mildly optimistic on growth but insolvencies will increase.

Read More
Reflection-of-office-block-sky-clouds-on-office-windows-and-side-of-office-tower-block.jpg
How to Make Sure You Are Not Overinsured or Underinsured

As inflation hits, it's never been more important to check the rebuild cost of your property - the implications of not having the right level of protection i...

Read More
cgi_corona.jpg
2022 Insurance Market Conditions in the UK

Read our assessment of the UK and global insurance markets in 2022.

Read More
listing-womens-hands-held-above-head-over-sun-setting-over-an-island-and-sea-background.jpg
2022 predictions – staff mental health and wellbeing

Simon Broome, Towergate’s Risk Manager, discusses the importance of your colleagues mental health and well being.

Read More
listing-man-with-binoculars-at-helm-of-A4-paper-boat-.jpg
2022 Predictions – Emerging Risks

Marcus Alcock, editor of Emerging Risks focuses on the biggest threats, that he believes, businesses will be facing in 2022.

Read More
"driver_on_phone_behind_wheel"
New Mobile Phone Laws for Drivers

Friday, March 25th, 2022, will see existing mobile phones rules strengthened with a crackdown on drivers who use their mobile phones behind the wheel.

Read More
listing-masked-safety-googled-women-in-scrubs-with-stethoscope-around-neck.jpg
2022 PREDICTIONS – Health & Safety in the Workplace

Gavin Snell, CEO of WorkNest, provides insight from their ‘Mind the Gap’ report, which evidences a divide between employer and employees across a host of emp...

Read More
listing-women-carrying-a-box-with-books-and-rolled-up-paper-with people-at-tables-in-background .jpg
2022 Predictions - The Great Resignation

Mark Brannon, Commercial Director at Towergate asks, is the now the time for ‘The Great Re-set’?

Read More
flood risk.jpg
Your Business Flood Risk Factsheet

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...

Read More
listing-house-skeletoni-surounded-by-scaffolding-with-extra-scaffolding-in-the-front.jpg
2022 Predictions – Property Rebuilding Costs

Underinsurance remains a hot topic across the UK - Will Molland of RebuildCostASSESMENT.com predicts how the risk of underinsurance will continue to grow in...

Read More
girl_using_vr_headset.jpg
VR headsets cause surge in home insurance claims | Towergate Insurance Brokers

Using VR headsets at home may be great entertainment, but new statistics from Aviva have highlighted an increase in home insurance claims caused by VR-relate...

Read More
header-storm-christoph.jpg
Storms Eunice and Franklin – the Aftermath

Extreme weather such as a storm can cause widespread damage to homes and businesses, leaving many of our clients needing our help simultaneously. If you’ve b...

Read More
mask3_corona.jpg
Insurance Implications of Admissions to Care Homes Due to Active COVID-19 Outbreak in Northern Ireland

We have had clients in Northern Ireland getting in touch to ask what their insurer’s stance is regarding the potential for ‘forced’ admissions to care homes...

Read More
listing-blurred-image-of-shirt-suited-mans-torso-with-forefinger-on-icon-of-padlock.jpg
2022 Predictions – Cyber Risks

Lindsey Nelson of CFC Underwriting, predicts how the cyber threat in 2022 will grow and how insurers need to prevent and respond as quickly.

Read More
businesswoman-working-at-home.jpg
Is Your Company Guilty of These Common Reasons for Burnout?

It’s a common misconception that a holiday will solve employee burnout. But when we probe a little harder it’s easy to see why this logic doesn’t make sense.

Read More
Medical.jpg
Medical Malpractice, Health and Social Care News Roundup Winter 2021-2022

The information on this page is provided by Capsticks for Towergate. Capsticks are specialists in defendant medical malpractice law and the below is a Roundu...

Read More
large-waves-on-shore-breaking-over-metal-fencing.jpg
Protecting Your Commercial Property in Storms

Heavy rain and gale force winds reaching more than 90mph, brought widespread flooding and storm damage to the UK on Sunday, courtesy of Storm Ciara.

Read More
cyber-security-for-businesses - thumb.jpg
The growing cyber threats facing businesses

A Cyber Security Breaches Survey by the Department for Digital, Culture, Media and Sport (DCMS) found that 39% of all UK businesses reported a cyber breach...

Read More
listing-man-at-laptop-in-warehouse-reading-papwerwork.jpg
Conditions Precedent and Important Warranties newsletter

2021 has been another challenging year for businesses, with yet more disruption to “business as usual”. While life was slowly starting to get back to some fo...

Read More
skyline-stocks.jpg
Cyber Security Threat – UK Organisations Urged to Act

The National Cyber Security Centre (NCSC) are urging UK organisations to bolster their cyber security resilience in response to malicious cyber incidents.

Read More
cpr-thumb.jpg
Updated guidance on how to perform CPR

The British Heart Foundation have released new guidance on performing CPR.

Read More
Female cyclist in London.jpg
New Highway Code rules to protect all road users

The Highway Code has been updated to include new rules, in a bid to improve road safety for all users.

Read More
listing-section-of-electric-car-being-charged.jpg
Insuring electric vehicles

With the sale of non-electric cars ending in 2030, and hybrid sales ending in 2035 in the UK, the electric car question has been on many people’s lips – the...

Read More
FIRE 350X195 (002).jpg
Underinsurance 'made worse' by rising reconstruction costs

We have written previously about the massive shortfall in insurance cover for UK commercial properties. RebuildCostASSESSMENT.com recently estimated that bui...

Read More
empty-office-thumb.jpg
Conditions Precedent and Important Warranties

2021 has been another challenging year, with yet more disruption to “business as usual”. As many offices close their doors to employees once again, it is a g...

Read More
listing-hgv-on the-road.jpg
Tackling the HGV driver shortage

According to the British Retail Consortium, 2021, the HGV driver shortage is reported to have increased over the last five years from 45,000 in 2016 to 76,...

Read More
women-wearing-medical-face-mask.jpg
NI tax hike Too little, too late, for the NHS?

The announcement of a new 1.25% tax hike to generate extra funding for the NHS is not the saving grace many wish it was.

Read More
FloodFlash-6-(preview).jpg
Falling Leaves Blocking Drains? Don’t Let It Lead To Flooding

As the nights draw in and jumpers come out for the autumn season, crispy golden leaves can look pretty, but can become a nuisance when they start to block yo...

Read More
Risk Alert - Crime Insurance.jpg
Cyber Attack On High-Society Jeweller – Large Ransom Demands Expected

The Mail on Sunday has reported a cyber attack on exclusive jewellery firm Graff. Cyber criminals are alleged to have leaked up to 69,000 confidential docume...

Read More
fireworks.jpg
Firework Displays - Safety and Insurance

As the organiser of a fireworks display your liability insurance is for the safety of spectators and staff present during the evening. We have brought togeth...

Read More
row-of-construction-worker-safety-helmets.jpg
Price Rise Warning Amid Shortage Of Building Materials

Contractors have been left reeling by another huge materials price hike as a major concrete products manufacturer announced 15% increases.

Read More
businesswoman-with-baby-working-at-home.jpg
Ensure Your Insurance Covers Working From Home

Does your home insurance cover your new 'shoffice' and personal storage unit? With the increasing popularity of conversions to home offices, gyms, drinks bar...

Read More
large-waves-on-shore-breaking-over-metal-fencing.jpg
Is Environment, Social and Governance (ESG) the Latest Emerging Risk?

The topic of climate change is not far away from most conversations, particularly given high-profile events and protests that have taken place. While the met...

Read More
on-site-playlist-article-lady-on-computer.png
The Ultimate On-Site Playlist

Through a nationwide survey and an analysis of Spotify, Towergate have explored the relationship workers have with music while working.

Read More
HGV.jpg
Tackling the Fuel, Gas and Driver Crises

September 2021 was a landmark month for all the wrong reasons, with businesses and consumers having to face up to further and significant challenges. It hard...

Read More
construction-site.jpg
Supply Chain Pressures Facing the UK Construction Industry

The UK construction industry is facing mounting pressure from the worst supply chain crisis in decades. Being driven by the fallout of coronavirus and Brexit...

Read More
listing-westminster-eurpoean-and-uk-flag.jpg
Brexit, Covid-19, and its Impact on Underinsurance

While Brexit and covid-19 have led to supply chain issues and adapted business operations, the insurance implications of these are often not taken into accou...

Read More
data-screen.jpg
Insurance Update - UK Insurance Market Conditions H1 2021

For the last two years, the insurance market both in the UK and globally has been hardening at a rate not seen since 2001/02.

Read More
Summer-Flooding-Prep.jpg
Preparing for Summer Storms

Preparation checklists and risk mitigation strategies for summer flooding, especially those that affect commercial properties.

Read More
FloodFlash-6-(preview).jpg
High ‘Flood Risk Areas’ in the UK

In this article, we will look at some of the worst affected flooding areas, those most at risk and some of the worst recent floods (including flash flooding)...

Read More
heading-quater-of-earth-with-sun-on-horizon-and-web-of-dots-with-arched-lines-joining .jpg
Cyber and Ransomware attacks are on the increase

Cyber insurance capacity is expected to reduce with some insurers exiting the cybermarket, resulting in higher rates, as insurers encounter both a higher fre...

Read More
mental-wellbeing-man-hiking.jpg
Mental Wellbeing: A Challenge for Business?

A startling fact is that you are now more likely to go to a colleague’s funeral because they have killed themselves than because they died in a workplace acc...

Read More
women-holding-credit-card-typing-on-laptop.jpg
Rising Credit Risks Warning

Ratings agency Moody’s has given a stark warning that the UK should anticipate a rise in credit risks given the prospect of an unwinding of the level of gove...

Read More
man-in-pain-with-hand-on-neck.jpg
Whiplash Reforms - An Overview

Legal and rules changes associated with Whiplash Reforms came into effect on 31 May 2021. While it will take a bit of time for the insurance industry to full...

Read More
flames.jpg
Modern Methods of Construction add to Arson and Hot Works Fire Risks

Arson and hot works are among the most common causes of fire in the UK, whilst modern methods of construction are also a leading factor in many fires. With...

Read More
comparing-a-cyber-loss-and-a fire-loss.jpg
Protect yourself from phishing emails and when sharing data online

Learn more about email phishing and the importance of securing your online data. These top tips will protect you from potential hacks.

Read More
fingers-on-a-laptop-overlaid-with-graphics-of-padlocks-and-lines.jpg
End of financial year? Prime time for cyber scams

The end of the financial year is a busy time for businesses as they race to achieve their numbers, with many finance teams preparing for the tax season. Thi...

Read More
heading-quater-of-earth-with-sun-on-horizon-and-web-of-dots-with-arched-lines-joining .jpg
Cyber insurance rates increase predicted for 2021

Cyber insurance capacity is expected to reduce with some insurers exiting the cybermarket, resulting in higher rates, as insurers encounter both a higher fre...

Read More
header-underInsurance-and-business-interruption-2.jpg
Focus on Underinsurance and Adequate Business Interruption Insurance

The Insurance Act 2015 was created to help you get fairer treatment from your insurer in the event of a loss or claim. However, the Act also stipulates that...

Read More
header-storm-christoph.jpg
Immediate Advice for Businesses as Storm Christoph Hits

As the flood season heralds Storm Christoph, the Met Office has issued amber and yellow warnings as two months of rain is set to fall in just three days. Som...

Read More
Checklists to Protect Your Businesses Against Winter Risks
Checklists to Protect Your Businesses Against Winter Risks

As winter approaches, it is important that businesses are protected against adverse weather conditions. Read our checklists to help you.

Read More
underwater.jpg
Floods and Insurance: The UK Landscape

Here we explore the UK’s flood landscape; why the risk is increasing; and examine the various measures and flood insurance available to help protect you and...

Read More
The Evolving Nature of Business Cyber Risks During the Covid-19 Pandemic
The Evolving Nature of Business Cyber Risks During the Covid-19 Pandemic

Read our article on the evolving nature of cyber risks and the changing landscape since the start of the pandemic; and what it means for you, including how t...

Read More
UK terrorism alert raised
Increased Terrorism Threat in the UK

As we head closer to the holiday season, the threat of terrorism in the UK grows. Following a spate of attacks in Europe, UK alert levels have been upgraded...

Read More
listing-westminster-eurpoean-and-uk-flag.jpg
Reignited focus on Brexit highlights underinsurance issues

Amidst the potential turmoil of another spike in infections from the coronavirus, the UK is facing the double whammy of its messy departure from the EU. T...

Read More
listing-quater-of-earth-with-sun-on-horizon-and-web-of-dots-with-arched-lines-joining.jpg
Hardening insurance market

For more than a decade the insurance industry has operated in soft market conditions. Now, however, it is starting to experience a hardening market. That mea...

Read More
listing-money-donated-in-charity-collection-pot.jpg
Help us help another business (and give something in return)

Towergate Insurance Brokers’ staff have been working tirelessly from 2,000 home offices, right across the UK, to support you during lockdown.

Read More
clouds-reflected-on-sky-scrappers_.jpg
Right to Light Explained

A right of light is an easement granted to a freeholder (or leaseholder or tenant, by assignment) which grants them the legal right to enjoy a reasonable amo...

Read More
silhouettes-walking-along-airport-windowed-corridor.jpg
Insurance Market Conditions Q3 2020

The insurance market in the UK has been hardening at a rate not seen since 2001/02 and the Covid-19 pandemic has only accelerated this trend. This means that...

Read More
oil-on-water-rainbow.jpg
Risk Alert - Environmental exposure as oil storage increases

Coronavirus is impacting our lives in many ways and changing our routines. It has also caused the price of oil to fall meaning that both people and organisat...

Read More
cyber-criminals-exploiting-corona.jpg
Cybercriminals likely poised to attack as Magento 1 reaches “end of life”

Cybercriminals are likely poised to attack as Magento 1 reaches “end of life” leaving retailers highly vulnerable. After publishing a final security patch on...

Read More
commercial insurance.jpg
How to Best Arrange your Business Insurance

Arrange your business insurance can be a time consuming and stressful process in normal circumstances, but with the UK insurance market hardening at a rate n...

Read More
_0007_mask_corona.jpg
Smartphones Becoming an Increasing Cybersecurity Risk for Organisations

Think of a ransomware attack and you may picture a hacker targeting employees who use laptops or desktop devices. Yet hackers are both opportunistic and reso...

Read More
listings-numbers-and-letters-on-various-blue-squares-and-copyright-symbol.jpg
Intellectual Property (IP); A Case Study

Manchester United are suing the makers of the popular Football Manager series for allegedly infringing their trademark by using their name “extensively throu...

Read More
graphic-of-covid-19-virus-and-police-tape.jpg
Risk Alert – Current Climate Exposes Increased Risk of Terrorism and Political Violence

Insuring against the risk of terrorism and political violence after the Coronavirus lockdown may not be seen as a priority for businesses at this time, but t...

Read More
office4_corona.jpg
Cyber Risks on the Rise as Businesses Reopen

It has been highly publicised that Cybercriminals are exploiting the uncertainty that COVID-19 has brought, to their advantage. We first identified this back...

Read More
cgi_corona.jpg
Insurance Market Conditions and How Towergate Can Help You – Q1 2020

The insurance market in the UK is currently hardening at a rate not seen since at least 2001/02. This means that we are in the phase of the market cycle wher...

Read More
protestors-on-street.jpg
Risk Alert - Interruption to Businesses as a Result of Protests

The past few weeks have seen widespread Black Lives Matter protests following the death of George Floyd in Minneapolis at the hands of police.

Read More
data-screen.jpg
Insurance Market Conditions

For the last two years, the insurance market both in the UK and globally has been hardening at a rate not seen since 2001/02.

Read More
investor-in-customers-gold-trophy.jpg
Investor in Customers (IIC) Gold award

A review of the conditions between 2017 and 2019 impacting the global (Re)insurance market and UK insurance market, plus some specific sectors of note.

Read More
risk-management.jpg
Business Continuity Planning

Businesses are exposed to disasters all the time, including IT system failures, cyber incidents, power outages, major losses, i.e. fire or flood at site, epi...

Read More
skyline-stocks.jpg
2020 - A Preview of Emerging Risks

With a new year comes new challenges. However, by looking at recent developments and current activities, there are clear trajectories on what might take grea...

Read More
coronavirus.jpg
Risk Alert – Why is it so important to have a Business Continuity Plan

The escalating situation around Covid-19 is demonstrating why it’s important for businesses to have in place a robust Business Continuity Plan (BCP) to ensur...

Read More
emerging-risks-for-2020.jpg
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...

Read More
watch_face.jpg
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....

Read More
melted-washing-machine.jpg
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.

Read More
network-tecnology-motherboard-abstract-graphic-thumbnail.jpg
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...

Read More
flooded-buildings-by-river.jpg
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...

Read More
silhouettes-walking-along-airport-windowed-corridor.jpg
Insurance Market Conditions Q3 2020

The insurance market in the UK has been hardening at a rate not seen since 2001/02 and the Covid-19 pandemic has only accelerated this trend. This means that...

Read More
comparing-a-cyber-loss-and-a fire-loss.jpg
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...

Read More
Queue of trucks.jpg
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...

Read More
Newsletter Winter 2019.jpg
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

Read More
ogden reforms.jpg
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...

Read More
listing-driving-in-europe.jpg
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...

Read More
dark-metal-outline-of-exclaimation-mark-on-yellow-background-listing.jpg
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 centre in Andover, Chester Zoo and most recently Notre Dame Cathedral, have been found to be caus...

Read More
Homes_Act_2018.jpg
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...

Read More
newsletter issue 9 spring 2019
Newsletter - Issue 9, Spring 2019

Insurance industry works to minimise Brexit disruption

Read More
Towergate Insurance Brokers Corporate Brochure.jpg
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...

Read More
yellow-background-with-diagonal-black-dashes-along top-and-bottom-listing.jpg
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...

Read More
black-and-yellow-plastic-barrier-strips-in-an-x-shape-and-accross-top-and-bottom.jpg.jpg
Health & Safety Bulletin - April 2019: Notre Dame Blaze 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...

Read More
business loan
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...

Read More
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...

Read More
green card brexit.jpg
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...

Read More
D&O lawsuit.jpg
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...

Read More
commercial insurance.jpg
A Guide to Arranging Commercial Insurance

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

Read More
water pipe burst.jpg
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...

Read More
Newsletter Winter 2019.jpg
Newsletter - Issue 8, Winter 2019

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

Read More
Fleet fire accumulation risk.jpg
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...

Read More
time management brext.jpg
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...

Read More
beast from east.jpg
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...

Read More
Risk Alert - Newsletter.png
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.

Read More
tib-employee-benefits-risk-alert.jpg
Risk Alert - SMEs’ biggest concern after BREXIT

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

Read More
risk alert christmas.jpg
Risk Alert - Christmas 2018

Avoiding mistletoe madness

Read More
brexit chess1.jpg
Newsletter - Issue 7, Autumn 2018

BREXIT: Uncertainty raises questions over cover

Read More
Risk Alert Management Liablilities.jpg
Risk Alert - Management Liabilities

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

Read More
fireworks.jpg
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...

Read More
claims.jpg (1)
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.

Read More
Terrorism.jpg
Risk Alert - Terrorism Update

The evolution of terrorism and the ideological threat.

Read More
environment.jpg
Risk Alert - Subsidence

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

Read More
Fleet Risk.jpg
Risk Alert - Fleet Safedrive

Control your driver risks, protect more than your bottom line

Read More
Risk Alert - Crime Insurance.jpg
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...

Read More
Risk_Alert_Summer.jpg
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...

Read More
Stadium.jpg
Newsletter - Issue 6, Summer 2018

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

Read More
CO2 shortage.png
Risk Alert - CO2 shortage

Carbon dioxide shortage exposes supply chain risks

Read More
Smile.jpg
Insurance Update - Arrange Your Business Insurance

A guide on how best to arrange your business insurance.

Read More
cyber crime snipped.png
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...

Read More
Terrorism.jpg
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...

Read More
Management Liability.jpg
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...

Read More
London.jpg
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.

Read More
Enterprise Act.jpg
Insurance Update - Civil Liability Bill

Liability premiums set to reduce as Civil Liability Bill unveiled.

Read More
Smile.jpg
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)...

Read More
Winter Risks.jpg
Risk Alert - Winter Risks

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

Read More
HNW 3 reasons why.jpg
Information Update - Private Client 3 Reasons Why

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

Read More
Carillion.jpg
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...

Read More
claims.jpg (1)
Information Update - Guide to Business Protection

The Rough Guide to Business Protection

Read More
flood risk.jpg
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...

Read More
Business Travel.jpg
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...

Read More
ogden reforms.jpg
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...

Read More
storms.jpg
Risk Alert - Storms

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

Read More
environment.jpg
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...

Read More
Post.jpg
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.

Read More
Personal Accident.jpg
Information Update - Health & Safety

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

Read More
underinsurance.png
Information Update - Underinsurance

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

Read More
Risk Alert - Cyber Liability.jpg
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.

Read More
listing-hands-and-arm-view-of-variety-of-people-with-hands-on-top-of-each-other-in-a-circle.jpg
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....

Read More
brexit underinsurance.jpg
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...

Read More
Insurance Premium Tax.jpg
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...

Read More
Enterprise Act.jpg
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...

Read More
Credit.jpg
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

Read More
header-underInsurance-and-business-interruption-2.jpg
Underinsurance – Have you considered the risk?

It should come as no surprise that the event that will have the most pressing consequences for Towergate clients (and underinsurance) will be the decision to...

Read More
Terrorism.jpg
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...

Read More
underinsurance.png
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...

Read More