Towergate Underwriting

Special Risks Liability Insurance for Brokers

Special Risks Liability Insurance

Specialist liability cover for high risk trades and hazardous locations

Special Risks Liability Insurance

Towergate Underwriting Liability and Construction are pleased to offer a new Special Risks Liability Binder which is backed by insurers QBE and Novae. Cover is designed for a wide range of trades and occupations, including high risk trades and work undertaken at hazardous locations.

Key product features include:

  • Limited endorsements and restrictions
  • Cover for work undertaken on a Worldwide basis
  • Capacity provided by a consortium of leading UK insurers
  • £12,500 minimum premium for risks including heat work away
  • £20,000 minimum premium for scaffolders, roofers and demolition contractors
  • Indemnity limit up to £10 million for Employers Liability
  • Indemnity limit up to £5 million for Products and Public Liability including high risk locations.

We can also consider:

  • Any trade not on our binder that is not listed under ‘trades we cannot cover’
  • Premiums in excess of £100,000
  • Employers Liability in isolation
  • Loss ratios in excess of 50%
  • Risks with an offshore or work at sea exposure.

Contact Us

Towergate Underwriting Liability and Construction

Weekdays: 9:00am - 5:00pm


Broker Support

If you need further help in finding the right products for your clients Towergate Broker Support are here to help.

Weekdays: 8:00am - 5:30pm

Alternatively, email us and we'll get back to you.


Trades we can cover:

  • Abattoirs
  • Aluminium production
  • Brakes & clutches manufacturers
  • Care, nursing & children’s homes
  • Casinos, cinemas, concert & dance halls
  • Control panel manufacturers
  • Demolition contractors
  • Department stores
  • Foundries
  • Gas manufacturers
  • Hoist, sling & block & tackle manufacturer
  • Ink & gel manufacturers
  • Moorers and stevedores
  • Piling contractors
  • Playground equipment installers
  • Quarries
  • Safety netting contractors
  • Sand & gravel extraction
  • Scaffolding contractor & manufacturer
  • Site clearance/ excavation work
  • Sound and/ or lighting engineers, production
  • Installation and riggers
  • Supermarkets & hypermarkets
  • Tank cleaning
  • Underpinning & foundation contractors
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