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Bira insurance

We've got you covered

Delivering unique business insurance designed around your specific needs

Key benefits for Bira members
The business insurance scheme designed and delivered by Towergate is uniquely available for bira members. Working with Towergate our focus has been to deliver our members tangible advantages in cover, service and cost.
  • Access to exclusive retail-specific enhancements that are not usually included in standard insurance policies
  • Tailored to suit your business (find bespoke packages for pet and pet product retailers and agricultural and garden machinery dealers
  • Generous cover limits to suit retail businesses
  • Advice from a specialist insurance team
  • Payment instalment arrangement with bira bank
Send an enquiry Submit a quick quote

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

Protecting you from financial loss resulting from an interruption to your business+

Protecting your property+

Protecting you from allegations of negligence+

Protecting you against theft – full theft cover for stock that gets stolen+

Protecting you from cyber attacks+

Protecting your stock in the open+

Supporting you in legal disputes+

Helping you comply with Health & Safety regulations+

Quote guarantee for 30 days and price matching to a panel of insurers+

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.

Property Insurance

Loss or damage caused by a range of insured perils to:

  • Trade Contents
  1. General Contents, Fixtures & fittings
  2. Stock including Theft Attractive Stock
  3. Goods held in Trust
  4. Theft of Stock in the open
  • 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:

  1. whilst in transit to or from the bank including in bank night safe
  2. within Insured’s Premises during Business Hours
  3. within Insured’s Premises out of Business Hours not contained in a locked safe (including money in vending and gaming machines)
  4. whilst in a locked safe within the Premises out of Business Hours
  5. in the Insured’s personal custody
  6. 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

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


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

Towergate also offers a range of personal insurance policies available to bira members.

Home insurance
Towergate’s Premier Elite policy provides a flexible and wide covering Home insurance policy for those who need higher levels of cover. Uniquely, this includes cover for damage caused by domestic pets and no clause that reduces claims payments for innocent under insurance. This is particularly important for bira members who have lived in the same property for a number of years and, understandably, don’t know the cost of rebuilding it.

Touring caravans
New for old, or market value cover available.

Static homes and lodges, Park Homes
From traditional park homes and static caravans to luxury lodges, single or double units, we have products to suit a wide range of needs. We offer new for old, or market value cover, flood cover and no excess on most claims (except in the case of ground movement).

Jet Skis, Yachts, Narrow boats and Motor cruisers
The cover quoted will reflect your requirements. Tell us the type of marine pleasure craft you have and the cover limits needed. We can also cover items onboard such as GPS, fishfinders, outboard motors and even clothing such as expensive sailing jackets.

*** Price matching is only available when you speak to the bira insurance team at Towergate over the phone. You may be asked to supply your current provider’s quotation before being offered a price matching quote. This is only available on “like for like” business insurance cover from A-Rated insurers.

bira insurance, Towergate and Towergate Insurance are trading names of Towergate Underwriting Group Limited. Registered Address: Towergate House, Eclipse Park, Sittingbourne Rd, Maidstone, Kent ME14 3EN.

Registered in England with company number 4043759. Authorised and regulated by the Financial Conduct Authority.

Protect your business

bira members can login to access this service

If you’re already a bira member and want to take advantage of this service, simply login to view contact details for this service as well as exclusive member-only information.

If you’re not currently a bira member, but you are interested in preferential member benefits, find out more by joining us .

Alternatively, you can contact our membership team on 0800 028 0245

“One call to bira insurance and everything was sorted.  I was extremely pleased at the speed of their support”

Derek Lewis, H Glickmans