Professional Indemnity Insurance

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At Towergate we understand that things don’t always go to plan, no matter how diligent you are as a business.

Our Professional Liability policy protects you against the expense and worry associated with potential legal action taken against you, such as contract or copyright disputes, professional negligence, and breach of confidentiality.

Towergate’s policy for Osgo members provides a variety of cover in one product, so there’s no need to purchase a portfolio of different policies to ensure you are protected against various possibilities. Our specialist Professional Liability policy provides essential cover for:

  • Professional Indemnity
  • Public Liability
  • Product Liability
  • Libel and Slander

This policy also gives you access to:

Legal Expenses – this gives you access to a Free 24/7 Legal Helpline, Pre-Hearing Representation and Fitness to Practice Hearing Defence, and cover to pursue and defend your legal rights arising from Contract Disputes or HMRC Tax Investigations.

Markel Law Hub – to compliment the legal advice line, you have access to the Markel Law Hub, an online resource of expert legal and business guides, templates, and content, provided by Markel Law LLP.

Limit of Indemnity Range – we can provide you with quotes for different levels of indemnity so you can increase your cover to ensure that you are adequately protected against any future losses that may occur.

One Policy, an Assortment of Cover

Professional Indemnity Cover

Your cover will include all aspects of typical podiatry in which you are competent. Typical podiatry work for which you would be insured if competent includes but is not exhaustive to:

  • Routine Skin and Nail Treatments
  • Nail Surgery
  • Local Anaesthetic Administration
  • Injection Therapy
  • Acupuncture (of lower limb)
  • Manual Therapy
  • Cosmetic Treatments
  • Administration and Supply of POMs


The policy will not cover the use of any equipment in a manner for which it was not designed
The policy will not cover injury to employees (can be covered under a separate Employers’ Liability policy if required)
The policy will not cover the Insured if they cause someone to contract HIV or AIDS, or if they claim they can cure or alleviate the symptoms of HIV or AIDS
*Other exclusions apply


Our specialist legal cover protects you and your business against potential costs arising from:

  • Tax protection should you be faced with a tax investigation
  • Contact and debt recovery
  • Employment disputes and compensation awards
  • Compliance and regualtion

Each policy covers sole trader practitioners and sole trader limited company’s up to the limit below. This policy is not an aggregate policy which limits cover to the entire group.

More Insurance Expertise in More Places

With Towergate, Osgo members can now access a range of additional protection products such as:

  • Cyber and Data Cover
  • Employers Liability
  • Health & Safety Risk Management
  • Relevant Life Cover
Professional Indemnity Cover up to turnover £150,000 £2mil cover £5mil cover
£101.79 £129.37

These prices are subject to Insurance Premium Tax at 12% and a £27.50 customer service fee.

These rates are based on sole traders and sole trader limited company’s turnover not exceeding £150,000.

For turnover exceeding £150,000 rates will be subject to underwriting criteria.

To apply please call 01438 735 251 and ask for Osgo Professional Indemnity, send an email to or use the apply now button below.

Towergate and Towergate Insurance are trading names Advisory Insurance Brokers Limited. Registered in England No. 4043759. Registered address: 2 Minster Court, Mincing Lane, London EC3R 7PD. Authorised and regulated by the Financial Conduct Authority.