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Professional Liability Insurance for ACS Distance Education
If you are sued by a client for compensation as a result of your
work, professional liability insurance can help you defend the
claim and pay for damages awarded against you, as well as your
legal defence costs.
Towergate Professional Risks is aware that one policy does not
meet everyone’s requirements. That is why we have developed a
number of relationships with insurers to provide polices that are
tailored towards your occupation.
Frequently asked questions
These are frequently asked questions we are often asked about
professional liability insurance. Please call us if you can’t find
the answer to your question.
Is it essential that I take out professional liability
It’s not compulsory but claims for damages
are on the increase and many professional associations therefore
recommend their members to arrange it. Some associations even
insist on members having professional liability insurance in place
before they can become a member.
Am I covered if I see clients at home?
Yes, the policy covers you to work at or
from any location, provided that you live, and are based in the UK.
This includes your home, and the cover is not restricted in any way
by working from home. You may find however that your home insurers
restrict or invalidate your home insurance if you have business
visitors to your home. If this is the case, Towergate has a special
‘Homeworkers’ insurance policy which will cover you to see clients
What happens if I make a claim?
Towergate will help you through the claims
process and work with you to get a settlement from the insurer.
With our in-depth knowledge of the policy cover and our strong
relationships with the insurers, we’re well placed to ensure that
you and your business get back to normal as quickly as
Do I need to pay any legal costs up front?
No. The insurers will appoint solicitors,
where appropriate, to represent you and will pay them directly. You
do not need to make any payments to solicitors.
Who are Towergate Professional Risks?
Towergate Professional Risks are part of
Towergate Underwriting Group Limited - the largest independently
owned insurance intermediary in Europe. We use our size and the
strength of our relationships with insurers to help our clients get
the right cover and the right service at a competitive price.
Why should I arrange my insurance through you?
The benefits of arranging your professional
liability insurance through Towergate Professional Risks include:
- Our strong relationship with major insurers - we can negotiate
competitive rates for you
- Our high level of ongoing service
- Our many years’ experience of running such schemes - we
understand your profession and the risks you face and ensure that
the cover we offer meets your needs as a professional
What does ‘limit of indemnity’ mean?
The limit of indemnity is the maximum
amount the insurer will pay out to defend a compensation claim.
Legal costs are payable in addition to this amount. If for example
you had a limit of indemnity of £1m we would pay up to £1m in
damages, plus your legal costs.
What level of cover do I need?
With legal costs and the likelihood of
being sued increasing, you should consider as much cover as you can
afford. Your own personal circumstances will also have a bearing on
the amount of cover you may need. If, for example, you work on
clients’ premises - especially corporate clients - they may insist
on you having a certain level of insurance in place.
Get a quote
Where does the policy allow me to work?
The policy allows you to work at any
premises in the world (provided that your main residence is in the
UK), be they your own, or those of your client or a third