Towergate Insurance

Towergate Insurance – Next Step Beauty
Towergate Insurance can provide members of Next Step Beauty with a range of specialist health & beauty insurance policies which protect livelihoods, from Professional Indemnity to Cyber insurance.

Health & Beauty insurance
At Towergate we understand that things don’t always go to plan, no matter how diligent you are as a business.
Our Health & Beauty policy protects you against the expense and worry associated with potential legal action taken against you, such as professional negligence.
Our packages provide specific cover for your treatment and business needs. If you are a sole trader working on a mobile basis, we have 3 packages available, one for nails, make up and tanning, a hairdresser’s policy and a general beauty package covering 170 treatments. Our packages are designed to provide you with cover in the event that a claim arises from the treatments you provide, if a client reacts to a product you use and also 3rd party damage if you are working in 3rd party premises.

If you are operating your business from a salon, we have an alternative package that can be tailored to cover your needs and ensure your business is protected.

We also offer specialist insurance for you and your business, including Cyber insurance.

Cyber Liability insurance
With cyber-attacks becoming ever more widespread and sophisticated, you need to be sure you’ve got the right protection. What would you do if your business suffered a data breach? Have you got cover for reinstating data? If you’re subject to a regulatory investigation, are your costs covered? 

A number of factors in the day to day running of your business can contribute to a data breach – such as lost paper records and ransomware attacks to name but two.

Cyber Liability insurance can give you protection against cyber security risks:

  • Data recovery costs
  • Dedicated cyber security advice against the latest digital threats
  • First-party coverage for cyber extortion
  • Business interruption resulting from security breaches and system failures
  • Contingent business interruption from incidents occurring at the policyholder’s vendors and suppliers
  • eCrime coverage

Towergate have a team of in-house specialist advisers who understand that every customer will have different needs and concerns.

Health & Safety
Towergate are always on the look-out for services which complement the health & beauty policies we provide to you. We have teamed up with our partner, Ellis Whittam, to provide you with unlimited access to a free Health & Safety and Employment Law/HR portal where you can find up-to-date advice and resources, including Risk Assessment tools to help you understand how well your business complies with your legal obligations.

For the Risk Assessment Template, visit
The risk assessments will provide an insight of your current Covid compliance levels and highlight any gaps, or areas requiring additional measures. Ellis Whittam are available to discuss pragmatic solutions and we can provide access to a H&S advisor who can discuss any gaps/areas of concern following the completion of the risk assessment.

Why we partner with Ellis Whittam
Towergate enjoys a longstanding, trusted relationship with Health & Safety, Employment Law and HR specialists Ellis Whittam, who help the sectors reduce operational risk. They are highly qualified dedicated advisors who help protect client’s wellbeing and safety while providing organisational peace of mind.

To get a quote, call our team on 0344 892 1602
Towergate Insurance is a trading name of Towergate Underwriting Group Limited. Registered in England with company number 4043759. Registered Address: 2 Minster Court, Mincing Lane, London EC3R 7PD. Authorised and regulated by the Financial Conduct Authority.