SPECIALISMS

"Let us intruduce you to someone very special, because as an introducer, well - thats what we do."

British Isles Protection (BIP) is proud to introduce you to Towergate Insurance

Aside from advising on all aspects of protection and risk management, they offer specialism protection that spans from Energy and Offshore to Sky Diving, Latent Defects and Martial arts.

AGRICULTURAL SUPPLY & ANIMAL FEEDS PROTECTION

Historically the protection industry has provided limited availability, poor cover, and high cost protection to the Agricultural Supply Industry. BIP, via Towergate Insurance has developed a bespoke facility to provide extensive Product Liability cover, including failure of livestock, poultry, crops or plants, should they fail to achieve the expected standard of growth or yield.

AMATEUR AND PROFESSIONAL THEATRE PROTECTION

BIP, via Towergate Insurance sources specialist business protection policies for theatres to cover the risks that these venues face. As one of the UK’s largest independently owned protection brokers they use their enormous buying power to give you access to a competitive panel of leading insurers. This keeps the quality of your cover high and your premiums competitive. their team of experts have many years experience in the theatre business and understand the risk factors specific to this unique environment. They protect many members of the Little Theatre Guild, so you can rely on us to identify and manage the exposures you face with a tailored policy specific to your requirements.

ARCHAEOLOGY, MUSEUMS & HERITAGE PROTECTION

BIP, via Towergate Insurance is proud to offer clients access to the expert advice of their Archaeology & Heritage Division. A dedicated team whose remit is to tailor policies for museums, heritage sites and buildings, visitor attractions and all of the professions involved in this unique sector. From consultants to conservators and archaeologists to archivists, their team has the right cover for you. Their 20 year close working relationship with the Chartered Institute of Archaeologists (CIfA) is also testament to their knowhow in this field. As the organisation’s Chief Executive, Peter Hinton has stated:

BREWERIES, DISTILLERY & VINEYARDS PROTECTION

Whether you’re just starting out in the brewing or winemaking industry, or have been producing for many years, BIP, via Towergate Insurance can help you protect everything that’s essential to earning your living. With over 10 years’ experience in serving the specialist requirements of the industry, they assess your needs and tailor a policy that meets your requirements. And, with BIP, via Towergate Insurance as your broker, their long-standing relationships with leading insurers mean that you’ll have access to quality cover at a competitive price.

CARE PROFESSIONALS PROTECTION

BIP, via Towergate Insurance sources specialist liability protection policies designed for the therapy professions, and specialist home protection for caring professionals. As one of the UK’s largest independently owned protection brokers, they use their enormous buying power to give you access to leading insurers. This keeps the quality of your cover high and your premiums competitive. As a leading provider of liability protection for talking, complementary and alternative therapists, their expert team has a deep understanding of the therapy profession and the risks those within it can face. In addition, they have a market leading foster home policy, with a team who are experienced in helping foster carers to get the protection they need.

CARE SECTOR PROTECTION

BIP, via Towergate Insurance sources specialist business protection policies designed specifically for the care sector. As one of the UK’s largest independently owned protection brokers, they use their enormous buying power to give you access to leading insurers. This keeps the quality of your cover high and your premiums competitive. As a leading provider of protections for care homes, domiciliary care providers and children’s nurseries, their expert team has a deep understanding of the care sector and the risks it faces.

CAST METAL & FOUNDRIES PROTECTION

BIP, via Towergate Insurance sources specialist protections designed for cast metal and foundry businesses and the risks they face. As one of the UK’s largest independently owned brokers they use their enormous buying power to give you access to a panel of leading insurers. This keeps the quality of your cover high and your premiums competitive. they protect many members of the Cast Metal Federation. So you can rely on us to identify and manage the risk factors and exposures unique to members of this body, with tailored policies specific to the cast metal and foundry industry.

COFFEE SHOP PROTECTION

Their coffee shop protection is designed to be flexible to the needs of your business, to provide the best cover for you. They can offer: Business interruption protection Stock and contents cover Entertainment and events protection Cover for coffee shop equipment

COMMUNITY ASSETS PROTECTION

They have been providing bespoke protection solutions for over 30 years and have an extensive knowledge working with Charities/Not for Profit Organisations and are delighted to announce the working with Ansvar Insurance, one of the UK’s leading charity insurers, they've developed ‘Community Sure’ a product specifically designed to cover community centres, community buildings, sports clubs and village halls.

CRANE & PLANT HIRE PROTECTION

Specialist Insurance and Risk Solutions for CPA Members. BIP, via Towergate Insurance Brokers, is a member of the Construction Plant- Hire Association and they have in-depth knowledge and understanding of this sector. They regularly devise protection broking and risk management services for this specialist area of the construction industry. However, before they proceed, they will provide a full review before putting together a bespoke protection and risk management proposal to help protect your assets and liabilities.

CREDIT PROTECTION

BIP is the proud Indtroducer to Towergate Insurance which includes both protection broking arms and specialist underwriting agencies, they are ideally qualified to advise you and arrange Credit Insurance that suits your business needs. they appreciate that credit is vital to trade for small and medium sized businesses but increasingly difficult to secure in tough economic conditions. So, their approach is to give you access to a broad range of protection products at a time when many of their competitors are withdrawing from supporting this aspect of the market.

EDUCATION PROTECTION

They understand that the financial risk faced by schools extends beyond the school itself. The cost of covering absent teachers and members of staff in a school can easily rack up, particularly with the ever-growing demands on the education sector in the UK. With the focus being on continued learning for students, it’s important that in the event school staff are unable to work, a supply teacher or temporary replacement can be found, without the worry of how much it costs.

ENERGY & OFFSHORE PROTECTION

With over 40 years of experience in these fields they work with energy and marine clients however they operate, worldwide* in the most hostile of conditions; whether working subsea, surveying the ocean bed from the surface, or maintaining wind turbines at great height. their clients include some of the world’s leading players in seismic and hydrographic surveying, rig supply and maintenance, offshore fabrication and decommissioning, wind turbine installation, subsea cable laying and all ancillary and related services. they have specialist programmes for everyone involved in the energy supply chain, from ‘one man band’ companies to multinationals employing thousands.

EQUINE PROTECTION

BIP, via Towergate Insurance Equine offer customers the benefit of their horsey knowledge. There isn’t any query about equine protection that their experienced teams haven’t heard before and they’d be happy to help you arrive at the right solution. Best of all, they access a competitive panel of leading insurers on your behalf to keep the quality of your cover high and your premiums low. BIP, via Towergate Insurance Equine is able to offer protection for your equestrian business including commercial property and buildings, and also specialises in providing protection for horses and ponies, veteran horses, horse trailers and horsebox protection.

EVENT CONTRACTORS & SUPPLIERS PROTECTION

BIP, via Towergate Insurance Coverex* has specialised in providing protection for the events, conference and exhibition industries for over 20 years. Their expert team understands the risk factors specific to the environment you work in present many challenges. So you can rely on us to identify and manage the unique exposures you face with a policy that includes protection against damage to your reputation and loss of income. No two companies are the same and event contractors and suppliers come in many shapes and sizes. Whether you are a project manager, a supplier of an event and exhibition contractor and whether you run a large company or a small business they can assist you.

FAITH ORGANISATION PROTECTION

BIP, via Towergate Insurance have been providing ‘Specialist’ protection solutions for over 30 years and have an extensive knowledge in working with Faith Organisations to include, (but not limited to) churches, mosques and gurdwaras. They have excellent relationships with leading ‘specialist’ protection companies who can provide cover for buildings, associated buildings and the organisation. The expertise that they have built up over the last 30 years they believe, makes us a natural choice. They have a dedicated claims team to manage your expectations should the worse happen and are also able to provide access to Proactive Risk Management Advice.

FARM & AGRICULTURAL PROTECTION

BIP, via Towergate Insurance specialises in meeting the many and varied protection needs of farmers and the agricultural community. They utilise their buying power, as one of the UK’s largest independently owned Brokers, to give you access to a competitive panel of leading insurers. Whether you are a Beef, Sheep, Dairy, Arable or Poultry Farmer or you farm something a little more unusual, they offer a diverse range of cover for all types of farms. Their Farm Insurance and Agricultural Insurance policies are designed to help you protect your livelihood. Their expert team understands that the risk factors specific to your sector present many challenges. They’re able to combine your Farm protection requirements in an integrated policy that extends to include household protection as well as livestock cover, farm contents, liability and personal accident protection as well as many other areas of protection.

FLEET AND COMMERCIAL VEHICLE PROTECTION

With over 40 years’ road transport experience, BIP, via Towergate Insurance Brokers, – Motor Division knows what it takes to deliver a comprehensive, affordable and sustainable protection program that meets the specific needs of its motor fleet protection clients. their relationships with the UK’s leading motor fleet insurers puts us in a strong position to achieve just that. Appoint us and they will assign a dedicated claims and Risk Management team to your account. These experts then work with you to not only help with tricky claims, but to also help reduce both the frequency and severity of accidents – enabling you to better control protection costs and increase your operational efficiency.

FLEET RISK MANAGEMENT AND DRIVER TRAINING - SAFEDRIVE

BIP, via Towergate Insurance specialises in a risk management led approach to promoting driver-based, mobile workforce safety. This reduces the likelihood of claims and enables fleet operators to not only control their protection costs but also reduce their broader business expenditure. they call their Risk Management and Driver Training programme, Safedrive and it’s designed to help you get the best out of your drivers and protect your company’s interests. For your convenience their Safedrive assessors are available right across the UK and can work alongside you to ensure that your drivers are properly licensed, profiled, trained and equipped.

GARDEN & AGRICULTURAL MACHINERY PROTECTION

BAGMA realised it needed to address the difficulty found by its members in trying to find an Insurer that understood the specialist nature of their industry and provide a policy that was suited to their specific needs. Bira Insurance in conjunction with BIP, via Towergate Insurance provided the solution for BAGMA members combining specific policy wording with professionally trained staff based in many offices across the country this gave members local access to expert advice. Their rural experience gave them a deep understanding of the agricultural protection sector hence a successful combination was born. Several years down the line the scheme is still celebrating its successful combination in meeting the members individual needs. Local presence is paramount so you will find assistance in BIP, via Towergate Insurance offices from Devon and Cornwall to the Scottish Highlands.

GARDEN CENTRE PROTECTION

BIP, via Towergate Insurance Allseasons* is recognised by the Horticultural Trades Association as the preferred protection scheme provider for many of the UK's major garden centres. For garden centre owners and operators, their flexible business package provides the Property and Liability covers you need, together with additional protection tailored to your sector.

GENERAL PROTECTION

Being one of the largest protection brokers in the UK means that you can talk to us about the large range of protection products that they can access through the strong relationships they have with many of the world’s largest insurers. Whilst they've featured many of the specialisms their UK wide network of brokers can advise on, they offer a wide range of covers that you would expect from a company with their reach.

GLASSHOUSE & COMMERCIAL GROWERS PROTECTION

BIP, via Towergate Insurance Allseasons* is recognised by the Horticultural Trades Association as the preferred protection scheme provider for many of the UK's major commercial growers. BIP, via Towergate Insurance Allseasons* has built a solid reputation for designing a Glasshouse Insurance scheme that addresses the specific risks facing commercial growers and glasshouse owners. It includes the Property, Business Interruption and Liability covers you’d expect, together with some additional protection they know you’ll appreciate.

HAULAGE PROTECTION

BIP, via Towergate Insurance Brokers, one of the UK’s largest independently owned protection brokers, sources specialist policies designed to meet the needs of the haulage industry. Their intimate knowledge of the haulage business coupled, with that of the haulage protection marketplace means that they are ideally placed to service the needs of the road transport sector. No haulage business can function without appropriate cover for their trucks, not simply to meet the requirements of the Road Traffic Acts, but to provide the comprehensive motor protection and the wide range of other covers that almost every haulage company needs.

HEALTH & BEAUTY PROTECTION

BIP, via Towergate Insurance provides specialist Health and Beauty business protection policies designed for Salon Owners, self-employed beauty therapists, self-employed nail technicians and self-employed hairdressers to cover the risks that practitioners and health and beauty businesses face. As one of the UK’s largest independently owned brokers, with enormous buying power, they have made sure that they have selected a leading Insurer for your industry sector. their expert BIP, via Towergate Insurance Health and Beauty team not only have a deep understanding of your industry and the risks involved, but also appreciate the subtle differences between one business and another.

HGV & TRUCK PROTECTION

For drivers of single trucks or hauliers with up to five HGV commercial vehicles, BIP, via Towergate Insurance has the Truck Insurance know-how to help keep your business on the road. They’re talking flexible cover that’s tailored to your needs and can be easily updated as your business grows. Your administration headaches disappear too; all your road haulage commercial vehicles can be covered under a single policy with the same renewal date. With over 40 years’ road haulage truck protection experience, BIP, via Towergate Insurance Brokers, – Motor Division strives to find every one of its commercial vehicle clients the right cover - at a very competitive price. Their relationships with the UK’s leading truck insurers puts us in a strong position to achieve just that.

INTERNAL DRAINAGE BOARD / ASSOCIATION OF DRAINAGE AUTHORITIES PROTECTION

An Internal Drainage Board’s (IDBs) primary role is to manage water levels and reduce the risk from flooding within their districts. Much of their work involves the maintenance and improvement of watercourses (not main rivers) and related infrastructure such as pumping stations, weirs, sluices, culverts and embankments within their drainage districts. Covering 1.2 million hectares of England (9.7% of the total land area) and 28,500 hectares of Wales (1.4% of the total land area), IDBs have a significant operational role within Agriculture, Renewable energy, water level management and the environment.

LANDSCAPERS PROTECTION

BIP, via Towergate Insurance Allseasons* is recognised by the Horticultural Trades Association as the preferred protection scheme provider for many of the UK's major commercial growers and garden centres. their Landscapers Insurance is a natural extension of this sector expertise. If you own or operate a Landscaping Business, you need cover that addresses the specific risks your business encounters. The BIP, via Towergate Insurance Allseasons* Landscapers Insurance scheme includes the Property, Business Interruption and Liability covers you’d expect, together with some additional protection they know you’ll appreciate.

LATENT DEFECTS PROTECTION

Latent Defects Insurance is a form of protection taken out in respect of new build Commercial and Residential premises. Also known as New Home Warranties, Latent Defects Insurance is required by the Council of Mortgage Lenders for all new build residential open market sales. It is a form of protection taken out to cover defects which manifest within the structure after practical completion. There are often faults and defects caused by failures in design, workmanship or materials throughout the construction process and may not be detected for many years after the completion date. Their specialists are on hand to assist with the complexities in arrange the right cover for you.

LEGAL INDEMNITY PROTECTION

At BIP, via Towergate Insurance, their Legal Indemnities team provide Real Estate law firms and their clients with specialist advice and innovative indemnity protection solutions across a whole range of Title risks. From residential refinance to complex commercial projects, they discuss the drivers behind the detail and broke the risks to leading niche insurers in order to source and negotiate the best terms available from the market.

MARTIAL ARTS PROTECTION

As an owner-operator of a Martial Arts Club or centre, you’ll know that the sport has its own set of unique risks that come with serving the public and taking part in competitions. What do you do if someone has an injury in the dojo during a training session? At BIP, via Towergate Insurance Brokers, their team of dedicated professionals have over 30 years experience providing protection solutions to Instructors, Clubs and Associations involved in amateur Martial Arts.

MEDICAL BUSINESS PROTECTION

BIP, via Towergate Insurance sources specialist business protection policies designed for the medical professions. As one of the UK’s largest independently owned protection brokers, they use their enormous buying power to give you access to leading insurers. This keeps the quality of your cover high and your premiums competitive. As a leading provider of protections for all types of Practices and Surgeries, and with a range of Locum and Medical Indemnity policies for many medical professionals, their expert team has a deep understanding of the medical sector and the risks it faces.

MINI FLEET PROTECTION

If your business has a mix of between four and ten business cars and commercial vehicles, you qualify for the money saving benefits and all-round convenience of Mini Fleet Insurance. It enables you to cover all your business cars and commercial vehicles on a single policy with the same renewal date. And you can easily update your policy whenever the number of vehicles in your fleet changes. With over 40 years’ road transport experience, BIP, via Towergate Insurance Brokers, – Motor Division strives to find every one of its clients the right cover - at a very competitive price. Their relationships with the UK’s leading mini-fleet insurers puts us in a strong position to achieve just that.

MINIBUS PROTECTION

BIP, via Towergate Insurance are long-running specialists in minibus protection. As one of the UK's largest independently owned brokers they use their enormous buying power to give you access to a competitive panel of leading insurers. This keeps the quality of your cover high and your premiums low. they handle the whole spectrum of minibus use including personal use, private and contract hire. For instance, if you’re ferrying the First XI to the big game, a group of seniors to a dance hall or a team of workers to a building site, they've got you covered.

MOBILITY ADAPTED MOTOR TRADE

Motor Trade Insurance for specialist Motor Adaptations for the Disabled from Richard V Wallis Insurance Brokers Adapting vehicles for use by disabled drivers and passengers comes with its own set of risks for the Motor trade. Richard V Wallis Insurance Brokers, with over 40 years experience, specialise in protection solutions for the Mobility Trade. They offer a bespoke protection policy based on the unique risks that Mobility Motor Trade face.

MOTOR TRADE PROTECTION

BIP, via Towergate Insurance has considerable experience in arranging protection solutions to meet the needs of the Motor Trade sector. Whether you are a traditional motor repair garage, a specialist body shop, a vehicle breakdown rescue and recovery specialist, or a motor dealership they’re the team to talk to. They have a firm understanding of the risks you face and the cover you need to protect your business. With over 40 years’ road transport experience, BIP, via Towergate Insurance Brokers, – Motor Division strives to find every one of its clients the right cover - at a very competitive price. Their relationships with the UK’s leading motor trade insurers puts us in a strong position to achieve just that.

MOTORCYCLE TRACK DAYS PROTECTION

BIP, via Towergate Insurance, is one of the UK’s leading providers of Motorcycle Track Day Insurance. It’s a policy that includes Medical & Emergency Expenses and Personal Accident cover for European and worldwide circuits. So it’s well worth considering if you’re thinking about testing your mettle and pushing your bike to its limits. After all, accidents can happen to even the very best of riders. So you’ll want to know that you’re protected against medical costs incurred if you take a turn for the worse while riding at a track event. It also covers the cost of bringing you home from track days abroad in cases of medical emergency as a result of an accident.

MOTORHOME & CARAVAN DEALERS PROTECTION

BIP, via Towergate Insurance Brokers, sources specialist business protection designed to cover motorhome and caravan dealerships. As one of the UK’s largest independently owned brokers they use their enormous buying power to give you access to a competitive panel of leading insurers. This keeps the quality of your cover high and your premiums competitive. As a leading provider of Motor Home and Caravan Dealer’s Insurance, their team has a deep understanding of your business and the particular risks it faces. That’s why they devised Tour Master in response to Motor Home and Caravan dealers buying inappropriate Motor Traders Products. They discuss your specific requirements with you and tailor a policy that ensures that you only pay for the cover you need and none of the cover you don’t.

MOTORSPORT PROTECTION

All protection cover and/or quotations will be subject to underwriters’ terms and conditions. At BIP, via Towergate Insurance Brokers, they understand your sport and they share your passion. That’s why they've been protecting motorsport teams, individuals and organisers throughout the UK for many years, ensuring their customers are protected both on and off the track. Through their trusted local team and their network of experts you will have access to an extensive range of tailor-made, Motorsport protection and risk management programmes.

NOT-FOR-PROFIT ORGANISATIONS PROTECTION

BIP, via Towergate Insurance sources specialist protections designed for charities, hospices and other non-profit organisations. As one of the UK’s largest independently owned protection brokers, they use their enormous buying power to give you access to leading insurers. This keeps the quality of your cover high and your premiums competitive. As a leading provider of protections for Charities and Hospices, their expert team not only has a deep understanding of your organisation and the risks involved, but also a solid grasp of the subtle differences between one organisation and another. They discuss your specific requirements with you and tailor a package that ensures that you only pay for the cover your charity needs.

OBSTACLE COURSE AND ENDURANCE RACING

Through active involvement in the industry, their specialist sports protection team are in the ideal position to advise on the protection protection you require. This in-depth industry knowledge, coupled with their market presence and strongly forged relationships enables us to negotiate compelling propositions for Race Organisers, Teams and Individuals as follows:

PERFORMANCE BONDS

BIP, via Towergate Insurance has been providing Performance bonds for over 10 years. Performance Bonds are financial instruments of Guarantee. They are usually used to provide a guarantee to one company, (the Beneficiary), against another (the Principal) defaulting on its contractual obligations. Many principal contractors now require a performance bond from their sub-contractors before awarding them a contract. they offer a confidential and personal service, usually involving a Client visit to get the best supporting information and ensure you get the right terms or even to set up an ongoing facility.

PROFESSIONAL INDEMNITY PROTECTION

BIP, via Towergate Insurance sources specialist Professional Indemnity Insurance for a wide range of professions. As one of the UK’s largest independently owned brokers they use their enormous buying power to give you access to a panel of leading insurers including exclusive facilities and direct access to Lloyds of London This keeps the quality of your cover high and your premiums competitive. As a leading provider of Professional Indemnity Insurance, their expert team not only has a deep understanding of your industry and the risks involved, but also a solid grasp of the subtle differences between one business and another. They discuss your specific requirements with you and tailor a policy that ensures you only pay for the cover you need and none of the cover you don’t.

PROPERTY OWNERS PROTECTION

BIP, via Towergate Insurance sources specialist protection policies for a broad spectrum of property owners. Their Clients include major property investors and pension funds to private landlords. As one of the UK’s largest independently owned protection brokers they use their enormous buying power to give you access to a panel of leading insurers. This keeps the quality of cover high and the premiums competitive. As a leading provider of Specialist property protection, their expert teams have a deep understanding of the sector. They understand their Client’s environment and their relationships with leaseholders, tenants and funders. So you can rely on us to identify and manage the unique exposures your portfolio may have with a tailored policy.

REMOVAL PROTECTION

BIP, via Towergate Insurance sources specialist business protections designed for removal companies and look after over 600 removal companies. As one of the UK’s largest independently owned brokers they use their enormous buying power to give you access to a panel of leading insurers offering comprehensive cover at competitive premiums. As a leading provider of Removal Company Insurance, their expert team not only has a deep understanding of your industry and the risks involved, but also the subtle differences between one business and another. They discuss your specific requirements with you and tailor a policy that ensures that you only pay for the cover you need. they can also offer advice and guidance on appropriate contractual conditions to help limit your liability to your negligence only and ensure you are not assuming wider cover at common law than you may be covered for under your policy.

RESIDENTIAL MANAGEMENT LIABILITY PROTECTION

Residential Management Liability Insurance provides protection for claims made against Residential Block Management Company Directors and Officers. Claims usually arise in relation to damage to third-party property or injury to third-party persons, as a result of negligence relating to the property being managed. With their access to a wide range of insurers BIP, via Towergate Insurance can help find the right policy for you, regardless of the number of flats you have under management. It’s also worth considering that, as a Director, you may be personally liable to defend any claims brought against you. Claims that could leave your personal assets, and even those of your spouse and heirs, immediately at risk.

ROWING PROTECTION

It’s fair to say that, with its proud UK history stretching back over 20 years, Elite Rowing* is one of the most well-known and respected names in the sport. So much so that the Elite Rowing* Insurance Scheme policy has the professional endorsement of British Rowing. Part of BIP, via Towergate Insurance, Elite Rowing* gives you access to competitively priced online quotes and cover for individual boat owners 24/7 via their website. You have the advantage of being able to discuss your specific protection requirements with a broker that understands your sport and shares your passion. They also offer fast repair and claims settlement.

SELF-DRIVE HIRE PROTECTION

BIP, via Towergate Insurance has considerable experience in arranging protection solutions to meet the needs of the self-drive hire business sector. That’s given us a firm understanding of the risks you face and the cover you need to protect your business. With over 40 years’ road transport experience, BIP, via Towergate Insurance Brokers, – Motor Division knows what it takes to deliver a comprehensive, affordable and sustainable protection program that meets the specific needs of its self-drive hire clients. their relationships with the UK’s leading self-drive-hire business fleet insurers puts us in a strong position to achieve just that.

SHOWMEN PROTECTION

BIP, via Towergate Insurance specialises in Showmen Insurance that’s built for purpose for travelling fairground operators, circus owners and leisure park operators. As a travelling fairground operator, they appreciate that you work hard to create impressive amusements for the public to enjoy. While most events pass without incident, any mishaps that result in injury, loss or damage could prove costly for you and your business. So, it pays to consider the protection that BIP, via Towergate Insurance Showmen Insurance can provide. their highly experienced team can offer you a policy that’s tailored to suit your individual needs and safeguard your interests, and your livelihood against the specific risks that businesses like yours encounter.

SKY DIVING PROTECTION

Part of BIP, via Towergate Insurance, Sky Cover* is a specialist provider of Skydiving Insurance. Think of us as your ‘go-to’ team for policies offering high levels of Personal Accident for UK sky divers, sky diving all over the world. they also offer you medical and liability cover for skydiving outside of the UK. Although it’s important to note that this is not intended to replace your standard Travel Insurance which you should always have in addition to your sky cover policy if travelling outside the UK.

SPECIALIST COMMERCIAL VEHICLES PROTECTION

Their Specialist Motor Division specialises in arranging protection for ‘unusual’ vehicles. Perhaps you’ve had a bus converted into a bar, a coach transformed into a classroom or a van into a mobile library or shop? Be it a catering van, ice cream van, crane, cherry picker, mobile exhibition unit, whatever, if your modified vehicle is your business their Specialist Commercial Vehicle Insurance specialists will do all they can to cover it. With over 40 years’ road transport protection experience, BIP, via Towergate Insurance Brokers, – Motor Division strives to find every one of its specialist commercial vehicle clients the right cover - at a very competitive price. Their relationships with the UK’s leading commercial vehicle insurers puts us in a strong position to achieve just that.

TAXI FLEET PROTECTION

They understand that your fleet may be made up of all sorts of vehicles. That’s why their policy can cover saloons, hatchbacks, people carriers, minibuses and even coaches. They can also cover any number of vehicles. If you have fewer than five vehicles it's best to protect them on their regular Taxi Insurance policy but if you have five or more vehicles in your fleet, their Taxi Fleet policy is the one for you. Tell their advisers all about your company and they’ll recommend the correct policy for your business needs. Your drivers are likely to be on all types of jobs throughout the day and night. Their optional 24 hour claims assistance can be added to your policy to ensure you’ve got all the support you need, whenever you need it. In the event of a non-fault claim, they’ll do their best to supply you with a replacement vehicle of a similar standard to make sure your fleet stays at full strength.

TAXI PROTECTION

BIP, via Towergate Insurance Brokers, knows what it takes to deliver a comprehensive, affordable and sustainable protection program that meets the specific needs of its taxi clients. their relationships with the UK’s leading taxi insurers puts us in a strong position to achieve just that. Talk to BIP, via Towergate Insurance for expert advice about cover for single cars or a fleet of vehicles, public hire or private hire, chauffeur or executive use. From black cabs to minibuses and hatchbacks to limousines, they can help you take care of your protection requirements for all types of vehicles. Plus, they offer you UK wide rates and schemes that will protect your livelihood wherever your ‘patch’ happens to be.

TENPIN BOWLING CENTRES PROTECTION

As an owner-operator of a Tenpin Bowling and Quasar centre, you’ll know that tenpin bowling has its own set of unique risks that come with serving the public. What do you do if someone has an injury playing in the Quasar Studio or trips on the bowling lane? Liability Insurance claims can be a potential headache for your business. At BIP, via Towergate Insurance, they have teamed up with the Tenpin Bowling Proprietors Association (TBPA) co offer protection and risk management programmes that are framed closely around your business needs.

TERRORISM & POLITICAL VIOLENCE PROTECTION

We live in a world where the risk of terrorism is ever present, yet property protection policies are not designed specifically with this exposure in mind, leaving businesses exposed to uncertainty and potentially catastrophic business interruption. In response to this emerging protection need, BIP, via Towergate Insurance Brokers, offers a policy that provides broad cover, a simple application process and competitive pricing. Terrorism and Political Violence Insurance protects against political, religious and ideological acts and includes cover for damage to premises, business interruption, prevention or restriction of access to premises and utilities, as well as loss of income, including rental income.

TRAVEL PROTECTION WITH PRE-EXISTING MEDICAL CONDITIONS

It can be difficult for people with pre-existing medical conditions, disabilities, life-limiting illnesses or those who are receiving end of life care to obtain travel protection, so they offer specialist travel protection policies that recognise this. They are able to provide cover for 94% of people who receive a quotation.

VISIONARY SCHEME PROTECTION

BIP, via Towergate Insurance protection Brokers is the preferred protection broker for Visionary, available to serve the needs of its member charities. As one of the largest independently owned protection brokers in Europe, they have the national coverage and expertise to deliver great service to your charity. The relationship between client and broker is an important one. They believe this centres on the sharing of information, professional advice and, above all, mutual trust and respect. they understand the needs of charitable organisations, which enables us to design protection solutions that cover the needs of your charity.

VOID PROTECTION

BIP, via Towergate Insurance, cover is specifically designed to meet the needs of Housing Associations and other Social Landlords, who wish to protect their "void" exposures. If you are providing housing for people with special needs, be it learning, mental or physical difficulties, the policy can, subject to underwriting terms and conditions, provide protection for loss of rent, or related support costs, following a void resulting from the death or change in needs of a tenant. Why rely on a fund built up by way of a void provision in the rent structure, when you can release cash funds by replacing this with an protection premium, almost certainly lower than the void provision.