Towergate Insurance listened to what Bira members said they needed and created a unique policy that is only available to you as a member.
In addition, the Bira Insurance scheme includes full theft and legal cover as standard plus offers access to useful tools, such as health and safety portal as well as cyber support guide at no additional cost.
Click on each of the titles to reveal more information
If you own premises you trade from, Bira Insurance can add buildings cover into your business insurance package with one renewal date helping you save time, so you can spend it where it matters most.
Looking after the business liabilities and taking care of people ultimately delivers a lower cost insurance service. Employers Liability as well as Public and Products Liability covers are included in the Bira insurance scheme as standard. If you require higher excess on the latter one, speak with Bira insurance team at Towergate and they will adjust it to your needs.
Almost 50% of micro or small businesses have suffered from a cyber security breach**. If you answered YES to one or more of the following common practices, you should talk to Towergate who deliver cyber protection for Bira members:
- Dealing with incoming emails
- Holding personal customer data
- Trading on line
- Rely on third party services delivered online
All Bira members have instant access to our online cyber support service. The intelligent system will identify for you how your business could be at risk to cyber criminals. Simply send us your insurance end date and we will send you a link so that you can immediately benefit. That's right you can use the service whether, or not, you buy your business insurance through Bira Insurance.
Bira members benefit from enhanced cover that extends to stock if its stolen or damaged from an insured cause (other than storm) whilst in any space occupied in connection with your business.
Choosing Bira insurance means you have access to 24-hour legal advice line backed up by financial protection.
The online training and advice service is automatically available at no cost for all Bira members who take out Bira insurance. The training modules provide relevant advice that is designed to keep you compliant and your staff and customers safe. You can even earn an NVQ qualification.
All Bira insurance quotes are run through our carefully selected panel of insurers. If any insurers on the panel offer a lower cost than the Bira policy, we will match that price whilst retaining all the enhanced covers and keep the quote open for 30 days. ***
Household is for members who have a contents value in excess of £70,000 and / higher value personal possessions. Non-standard Household is for members who have more complex needs e.g. using their home for Airbnb or whose home has a history of subsidence.
Standard home insurance can be purchased from a wide range of sources – usually the internet. But, what about when you have more complex requirements? That’s when having an expert in your corner will get you the bespoke terms you need. Bira Insurance don’t offer standard cover, they focus on members who need their technical expertise to get them bespoke household insurance delivering simple solutions for complex needs.
Register for home insurance help at the right time
Email the month your current home insurance runs out and your mobile phone number to bira@towergate.co.uk so we can contact you at the right time to Go & Compare your requirements across our panel of insurers. Alternatively, complete the form in the section below.
Get a quote now
Complete the form by clicking the button below or call Bira insurance on 0330 123 5939.
Get a home insurance quote
Bira Insurance offers bespoke household insurance for members who have higher value homes and/or more complex requirements.
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Non-standard advantages Premier Executive policy:
- Contents up to £150k
- Buildings up to £1m
- Non-std construction (excluding thatch)
- Business equipment cover
- Subsidence history
- Convictions
- B&B / Air bnb
- Holiday homes
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Mid Net Worth Premier Elite advantages:
- Contents up to £500k
- Buildings up to £5m
- Worldwide All Risks
- No Average clause
- Damage caused by domestic pets
- Fine Art & antiques
- Legal Expenses up to £150k
- Emergency Home assistance up to £1500
- Contract works cover for home improvements
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Marine pleasure craft - tell us the type of water craft you have and the cover limits needed. We can include cover for items on board too e.g. GPS, fishfinders and outboard motors.
Caravans & Park Homes - tell us what you have and the cover you need and we'll guide you through the policies that provide the cover you need at an affordable price.
Get in touch to find out more
For an immediate quote please call Towergate Lifestyle and give them your Bira membership number. The cover and cost will be explained and confirmed.
For marine call: 01242 531 172
For caravans: 01242 894 150
Our approach to designing and delivering insurance for bira members always starts with defining how we can deliver more for less. We have listed the common covers we aim to include. A full summary of the cover provided will be included with your quotation.
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Property Insurance
Loss or damage caused by a range of insured perils to:
- General Contents, Fixtures & fittings
- Stock including Theft Attractive Stock
- Goods held in Trust
Buildings (optional)
Money (including Personal Assault)
Money includes - Notes, Coins, Crossed cheques and other non-negotiable items
Loss or Damage to Money is included for a variety of situations and specified limits apply:
- whilst in transit to or from the bank including in bank night safe
- within Insured’s Premises during Business Hours
- within Insured’s Premises out of Business Hours not contained in a locked safe (including money in vending and gaming machines)
- whilst in a locked safe within the Premises out of Business Hours
- in the Insured’s personal custody
- whilst in a self-fill Automatic Teller Machine (ATM) at the Insured’s Premises
Goods in Transit
Deterioration of Stock
Goods in Cold Chamber that deteriorate as a result of the change in temperature
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Loss of income following Business Interruption caused by an insured event
Calculated on the reduction in your Gross Profit during the period of interruption up to a maximum payment and maximum indemnity period.
Outstanding Debit Balances (Book Debts) following an insured loss
Liabilities
Employers Liability (limits apply)
Public and Products Liability (limits apply)
Loss of Licence
Commercial Legal Expenses
Insurance is provided under several sections of cover:
- Employment Disputes and Awards of Compensation
- Taxation Proceedings
- Taxation Proceedings, Business Self-Assessment Aspect Enquiry only
- Criminal Prosecution Defence
- Damage to Premises
- Data Protection
- Commercial Tenancy Agreement
- Statutory Licence Appeal
- Pension Trustee Defence
- Employee's Civil Defence
- Personal Injury
- Jury Service Allowance
- Contract Disputes – across the UK
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