Towergate Insurance Cardiff is one of the most trusted insurance brokers in Wales, serving businesses and individuals across the city and surrounding South Wales region. Based at Neptune Court, Vanguard Way, CF24 5PJ, the Cardiff office brings together over 50 experienced specialists under one roof.
Whether you need commercial cover, personal protection, or specialist policies, Towergate Insurance Cardiff offers tailored solutions backed by national expertise and genuine local knowledge.
Towergate Insurance Cardiff is a branch of one of the UK’s largest independent insurance brokers. The Cardiff office operates as a full-service insurance brokerage, handling everything from public liability to professional indemnity and personal home cover.
The team has a history of working with clients across Lloyd’s of London, major UK insurers, and specialist markets. This gives Cardiff businesses access to a level of cover that smaller, independent brokers simply cannot match.
With over 50 staff members on site, the office is large enough to handle complex commercial risks while still delivering the personal, one-to-one service that local clients expect.
Getting in touch with the Cardiff team is straightforward. The office is located in the Vanguard Way business district, making it accessible from most parts of the city.
| Contact Detail | Information |
|---|---|
| Address | 4 Neptune Court, 15 Vanguard Way, Cardiff, CF24 5PJ |
| Phone Number | 029 2044 4555 |
| Email Address | [email protected] |
| Opening Hours | Monday to Friday, 9am – 5pm |
| Website | everywhen.co.uk/locations/cardiff |
| Covers | Personal & Business Insurance |
The office is rated “Excellent” on Feefo, reflecting a consistent track record of high client satisfaction across Wales and beyond.
Towergate Insurance is currently transitioning to the new brand name Everywhen. This rebrand is part of a wider restructure by parent company Ardonagh Advisory.
The new identity — Everywhen — reflects the company’s commitment to being present for clients “always” and “at all times.” The rebrand does not affect your existing policy, premium, or service quality in any way.
All Cardiff office staff remain the same. The team, expertise, and relationships that clients have built with Towergate Insurance Cardiff are fully preserved under the Everywhen brand.
If you previously contacted Towergate Insurance Cardiff, you can now reach the same team using the Everywhen contact details above. Nothing changes except the name.
The Cardiff office offers a full spectrum of commercial insurance products. Every policy is tailored to the specific risks your business faces, rather than offering off-the-shelf packages.
Towergate Insurance Cardiff provides commercial property cover for offices, retail units, warehouses, and industrial premises. This protects the building structure, fixtures, and contents against fire, flood, theft, and accidental damage.
Grade 1 and Grade 2 listed buildings in Wales are also eligible for cover, which is something many standard insurers will not handle. This makes Towergate particularly valuable for Cardiff’s many historic commercial properties.
Public liability cover protects your business if a member of the public is injured or their property is damaged because of your activities. This is essential for any Cardiff business that interacts with customers, visitors, or contractors.
The Cardiff team will assess your exposure level and recommend a limit that genuinely fits your operation rather than applying a generic figure.
If you employ even one member of staff in Wales, employers’ liability insurance is a legal requirement. Towergate Insurance Cardiff helps businesses of all sizes meet this obligation with the correct level of cover.
The in-house claims team means that if an employee ever makes a claim, you have immediate, dedicated support from specialists who know your policy inside out.
Professional indemnity is critical for consultants, solicitors, architects, accountants, and any business that provides professional advice or services. Towergate Insurance Cardiff has dedicated expertise in this area, including long-standing experience with legal indemnities for the Cardiff market.
This cover protects your business against claims of negligence, error, or omission in the professional services you deliver to clients.
Towergate Insurance Cardiff arranges cover for individual commercial vehicles and full fleets. Whether you run a single van or a large fleet across South Wales, the team can structure a policy that provides the right protection at a competitive premium.
The Cardiff office works across a wide range of sectors, including construction, care and medical, civil engineering, technology, energy, property management, education, and professional services. Each sector faces unique risks, and the team builds bespoke programmes accordingly.
| Sector | Key Cover Types Available |
|---|---|
| Construction | Contractors all risks, plant, public liability |
| Care & Medical | Professional indemnity, malpractice, property |
| Technology | Cyber liability, PI, product liability |
| Property Management | Landlord, block, legal expenses |
| Professional Services | PI, D&O, management liability |
| Leisure & Hospitality | Public liability, loss of income, contents |
Towergate Insurance Cardiff is not only for businesses. The Cardiff office provides a complete range of personal insurance products for individuals and families across Wales.
Whether you own your home or rent it out as a landlord, Towergate Insurance Cardiff arranges buildings and contents cover that matches your exact situation. The team reviews your property type, location, and needs before recommending a policy.
Landlord insurance is also a strong specialism here, covering residential buy-to-let properties and larger HMOs that standard home insurers will not cover.
The Cardiff team assists with private car insurance, classic car cover, motorcycle insurance, and specialist vehicle policies. The focus is always on finding a policy that genuinely covers your vehicle and driving patterns rather than simply the cheapest available option.
Towergate Insurance Cardiff arranges single-trip, annual multi-trip, and specialist travel policies. This includes cover for adventure activities, high-value items, and medical conditions that many standard travel insurers exclude.
For Cardiff and South Wales clients with equine, caravan, or boat insurance needs, the office provides access to specialist products not available through high-street comparison sites. These policies are structured for the specific risks associated with unusual or high-value personal assets.
For both individuals and businesses, Towergate Insurance Cardiff offers health insurance and employee benefits packages. These solutions are particularly popular with Cardiff SMEs looking to attract and retain talent by offering private medical cover and wellbeing support.
Choosing the right insurance broker in Cardiff is a significant decision. The broker you select will influence not just your premium but the quality of your cover and how claims are handled.
Towergate Insurance Cardiff brings several distinct advantages. The team combines deep local knowledge of Cardiff and South Wales with access to Lloyd’s of London and all major UK insurers. This dual advantage is rare among Cardiff brokers.
The in-house claims team is a particularly strong point. When something goes wrong, you do not have to deal with an insurer directly. The Cardiff claims specialists step in on your behalf to manage the process efficiently.
The office is FCA regulated and fully compliant with UK insurance industry standards. This gives clients the assurance that advice received is professional, accountable, and legally sound.
The Feefo “Excellent” rating across the wider Towergate and Everywhen network reflects genuine client satisfaction at scale, with over half a million customers served nationally.
Getting a quote is quick and flexible. The Cardiff office offers three simple ways to start the process.
You can call the office directly on 029 2044 4555 during business hours Monday to Friday, 9am to 5pm. This is the fastest route if you have a complex commercial risk or want to speak to a specialist straight away.
You can email the team at [email protected] with an outline of your insurance needs and someone will respond with initial guidance and a quote request form.
Alternatively, you can visit the office in person at Neptune Court, 15 Vanguard Way, Cardiff, CF24 5PJ. In-person consultations allow the brokers to conduct a more thorough risk assessment, which often leads to better cover and more competitive pricing.
Online enquiries can also be submitted via the Everywhen website contact form, which routes directly to the Cardiff team.
Cardiff is one of the fastest-growing business cities in the UK. The city’s expanding professional services sector, growing tech industry, and active construction market all generate significant and evolving insurance needs.
The Cardiff office team has an unusually strong understanding of these local dynamics. Several team members have worked in the Welsh market for decades and understand the risks that Cardiff businesses face better than any London-based insurer.
The sponsorship of the Cardiff Devils ice hockey team reflects how embedded Towergate Insurance Cardiff is within the local community. This is not simply a commercial branch of a national insurer — it is a Cardiff institution in its own right.
For businesses in sectors like civil engineering, care, or property that face complex regulatory environments in Wales, having a broker who understands Welsh law, planning constraints, and local risk factors is genuinely valuable.
Before approaching any broker, including Towergate Insurance Cardiff, it helps to prepare key information about your risks and requirements.
Identify all the assets, operations, and liabilities your business or household needs to protect. This includes property, vehicles, staff, professional activities, and any specialist equipment or valuables.
Consider the minimum legal requirements first — employers’ liability and public liability in many sectors — and then build upwards to cover operational and reputational risks.
Ask your broker to explain what is explicitly excluded from any policy. Exclusions are often where cover fails when you most need it, and Towergate Insurance Cardiff is known for its transparent approach to helping clients understand exactly what they are buying.
Review your cover at renewal rather than simply auto-renewing. Business risks change year on year, and a policy that was right twelve months ago may leave gaps today.
The direct phone number for the Cardiff office is 029 2044 4555, available Monday to Friday from 9am to 5pm.
The office is at 4 Neptune Court, 15 Vanguard Way, Cardiff, CF24 5PJ, in the heart of Cardiff’s Vanguard Way business district.
Yes. Towergate Insurance Cardiff is transitioning to the Everywhen brand name, though the same team, services, and contact details remain in place.
The Cardiff office offers commercial property, public liability, employers’ liability, professional indemnity, commercial vehicle, and specialist sector policies tailored to your business.
Yes. The Cardiff team provides home, landlord, motor, travel, equine, caravan, boat, and health insurance for individuals and families across South Wales.
You can call 029 2044 4555, email [email protected], visit in person, or submit a request via the Everywhen website.
Yes. Towergate Insurance Cardiff, operating under the Everywhen brand, is fully authorised and regulated by the Financial Conduct Authority (FCA).
Yes. The Cardiff office has a dedicated in-house claims team that manages claims on behalf of clients, ensuring faster resolution and better outcomes.
Key sectors include construction, care and medical, technology, property management, professional services, civil engineering, and leisure. The team also handles high-net-worth personal clients.
The Cardiff office has over 50 insurance specialists on site, including professionals with experience at Lloyd’s of London, in overseas markets, and across all major UK insurers.
Towergate Insurance Cardiff remains one of the most capable and well-established insurance brokers operating in Wales in 2026. With over 50 specialists based at Neptune Court, CF24 5PJ, the office delivers a rare combination of genuine local knowledge and access to the widest possible range of insurers, including Lloyd’s of London.
Whether you are a Cardiff business owner looking for comprehensive commercial cover, a landlord needing specialist property insurance, or an individual seeking tailored personal protection, the Cardiff team is equipped to find the right solution.
The transition to the Everywhen brand brings no disruption to existing clients — the people, the policies, and the quality of service remain exactly the same. To speak to an adviser, call 029 2044 4555 or email [email protected] during office hours. Getting the right cover in place today protects everything you have worked to build.