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Bira insurance

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Delivering unique business insurance designed around your specific needs

Bira Insurance - COVID-19 FAQ's

The Bira Insurance team have put together some facts to answer the most frequently asked questions about policy cover in relation to COVID-19. Click here to read

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+

If supply of electricity, gas or water to your premises is accidentally cut off or if your access to them is denied due to emergency services attending nearby premises for escape of water or fire for at least 30 minutes. You’ll be able to make an excess free claim on your insured loss of gross profit – excluding the first 30 minutes of interruption on your bira insurance policy. Similar cover is included for loss of gross profit due to interruption/loss of telecoms or internet excluding the first 60 minutes of interruption.

Protecting your property+

If you own premises you trade from, Towergate 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.

Protecting you from allegations of negligence+

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.

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

Unlike many other retail insurance policies, ours, exclusively for bira, covers theft without evidence of forcible or violent entry / exit.
We understand that bira businesses are all different, so our team can tailor the business insurance specifically to your needs.

Protecting you from cyber attacks+

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:
o Dealing with incoming emails
o Holding personal customer data
o Trading on line
o 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.

Protecting your stock in the open+

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.

Supporting you in legal disputes+

Choosing bira insurance means you have access to 24-hour legal advice line backed up by financial protection

Helping you comply with Health & Safety regulations+

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.

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

All bira insurance quotes are run through our comprehensive 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. ***

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:1 Minster Court, Mincing Lane, London, EC3R 7AA, United Kingdom.

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