If you have employees, or come into contact with members of the public in the course of your work, chances are you need some form of liability insurance. Liability insurance is available as part of our packages products such as Shops, Office, Motor Traders and Commercial Combined. But if you just want to buy Liability insurance, why not ask us about our stand alone policy.

Who is the Liability policy suitable for?

Liability insurance, from Tower Insurance, is aimed at businesses working in direct contact with members of the public. Contractors, the construction industry and manufacturers or suppliers are just some of the businesses that may need liability insurance. We can also provide Liability insurance for one-off events. Examples of specific trades and professions include:

Plumbers Electricians Landscape Gardners
Joiners Service Engineers Consulting Engineers
Glazers Estate agents Hairdressers
Undertakers Opticians Warehouses
Opticians Manufacturers / Suppliers  

What cover is available?

We offer a range of policy limits for Public Liability, between £1M and £5M based on the needs of your business. We can also add Employer's Liability with a £10M limit, the legally required minimum. This is only available with Public Liability cover.

The Benefits of Tower Insurance Liability insurance:

  • A policy designed and priced specifically for Isle of Man businesses and events.
  • Local customer service teams for you and your broker.
  • A locally based claims team, for when you need us most.


Liability - Policy Summary

Liability - Policy Wording

Liability - Proposal Form