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Direct line for business

 

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Answer just a few simple questions to see the cover we can offer you:

About your business


This is the trade/activities that your business carries out…

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Your cover

Standard cover

The following cover is included in your quote as standard.

  • This covers the compensation and legal costs you must pay if a member of the public is injured, or their property is damaged, because of your business activities.

    More info
    Added

    • Employers' Liability

    This cover is legally required if you hire employees, but there are some exceptions listed here.

    We’ve added the cover to your quote but you can remove it if your business doesn’t need it.

  • Employers' liability

    This covers the compensation and legal costs you must pay if an employee gets injured or ill because of the work they do for you.

    For example, if an apprentice injures themselves due to inadequate training, employers' liability will cover the compensation you must pay him/her, as well as your own legal fees.

    We cover you for £10 million, as standard.

    Added
    Click to remove

    • Public and Employers' Liability

    Employers' Liability insurance is legally required if you hire employees, but there are some exceptions listed here.

    We don’t offer Employers Liability cover without Public Liability cover.

    We’ve added both covers to your quote but you can remove them if your business doesn’t need them.

  • Public liability

    This covers the compensation and legal costs you must pay if a member of the public is injured, or their property is damaged, because of your business activities.

    More info

    If a client or member of the public claims that they’ve been injured or their property damaged because of your business activities, public liability will cover your legal costs and the compensation you must pay them.

    We can offer cover from £1 million to £10 million, depending on your business needs.
    Added
    Cannot be removed unless Employers' Liability is removed

  • This covers the compensation and legal costs you must pay if an employee gets injured or ill because of the work they do for you.

    We cover you for £10 million, as standard.

    Added
    Click to remove

Your cover

More info
More info

Other add-on covers you may need

These add-on cover options will be available based on what you tell us about your business activity.

Some add-on covers will be available or added automatically based on what you tell us about your business activity.

The choice of add-ons is subject to eligibility.

Personal Accident
This cover pays out if anyone in your business between the ages of 16-75 is unable to work because they’ve been injured in an accident, whether in a business or personal capacity.
You can add this cover later if you're eligible
More info
We’ll pay a lump sum of £50,000 if there is accidental death, accidental loss of limbs or sight, or if someone in your business becomes permanently disabled following an accident.

If someone in your business is unable to work due to a temporary injury, we’ll pay their normal net weekly earnings up to £500 for up to 104 weeks.
You can add this cover later if you're eligible
Professional Indemnity
Covers your business if your clients lose money or their business' reputation is damaged as a result of mistakes in advice, designs or professional services that you supply.
You can add this cover later if you're eligible
More info
Covers your business if your clients lose money or their business' reputation is damaged as a result of mistakes in advice, designs or professional services that you supply (including building service design, architectural design, certification or project management).

We’ll cover any compensation due and your legal costs for defending the claim. If you accidently damage their property for example during physical construction, installation, repair or maintenance work, this would be covered by Public Liability and not Professional Indemnity insurance.
You can add this cover later if you're eligible
Terrorism
This covers your business for damaged property as a result of an Act of Terrorism.
You can add this cover later if you're eligible
More info
This extends your policy to cover damage to your premises as a result of an Act of Terrorism. For example, depending on the covers you’ve taken for your premises, we will cover your repairs or rebuilding costs, damage to business contents, equipment, tech and stock.

If you’ve also taken Business Interruption cover, and you can’t trade because your premises have been damaged by an Act of Terrorism or are not accessible due to an Act of Terrorism that took place within 1 mile, we’ll cover you for loss of turnover. We will also cover any extra costs you incur to set up your business activities elsewhere. This extends your policy to cover damage to your premises as a result of an Act of Terrorism. For example, depending on the covers you’ve taken for your premises, we will cover your repairs or rebuilding costs, damage to business contents, equipment and stock.
You can add this cover later if you're eligible
Home Emergency
If there is a home emergency like a broken boiler, burst pipe or damaged door lock, we’ll send out a contractor to prevent further damage.
You can add this cover later if you're eligible
More info
Home emergency covers up to £1,500 (inc. VAT) for call-out fees, labour and materials, in insured emergencies involving plumbing, heating, drains, pest infestations or damage to windows or locks that leave the property insecure. Certified contractors will be available 24/7, 365 days of the year. Drainage engineers, locksmiths, plumbers, electricians and glaziers will be with you within 4 hours.

You are also covered for overnight accommodation, up to £300 (inc. VAT), if you can’t stay in your home due to the insured incident.

There is no excess and no limit on how often you claim.

This cover can’t be added to or removed from your policy mid-term. Extreme weather and remote locations may extend response times.
You can add this cover later if you're eligible
Home buildings/contents cover
You can add this optional cover for your home buildings and/or contents if you run your business from home and have either a workshop, an office or tools and equipment stored in your home, garden room or garage. We offer this option because doing manual work from home can mean you're unable to get cover on a standard home insurance policy.
You can add this cover later if you're eligible
You can add this cover later if you're eligible
Commercial premises buildings/contents cover
If you run your business from a commercial showroom or workshop, this cover is automatically added to your policy. You must insure either your business contents or stock, or both. You can also choose to add your buildings or fixtures and fittings and glass. We'll cover the cost of repairing or replacing your buildings and/or contents if they're damaged or stolen.

This cover is optional if you work in an office away from home. If you're eligible, you can add it later.
This cover is automatically added to your policy if you work in a showroom or workshop
This cover is automatically added to your policy if you work in a showroom or workshop
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What do you do? Help
 
 
Where do you sell your products or provide your services?

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Do you have any employees (including labour only subcontractors)? Help
 
 
 
 
 
 
 
 
 
 
Do you need to add Employers' Liability cover to this quote?
Employers' Liability covers the compensation and legal costs you must pay if an employee gets injured or ill because of the work they do for you.
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Which of these covers do you need to add to your quote?

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Your cover options
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When you've finished choosing your cover options, please click on the basket icon below to continue.
Sorry, due to your trade we're unable to offer you Professional Indemnity cover, but please pick which other covers you'd like.
Things do change, though, so next time you're looking for cover for Professional Indemnity, please contact us and we'll see if we can help.
Sorry, due to your trade we're unable to offer you Cyber cover, but please pick which other covers you'd like.
Things do change, though, so next time you're looking for cover for Cyber cover, please contact us and we'll see if we can help.
Sorry, due to your trade we're unable to offer you Professional Indemnity/Cyber covers. Things do change, though, so next time you're looking for this cover, please contact us and we'll see if we can help.
Sorry, we couldn't find a match. Please try another description for your business activity and select it from the list. Help

We're sorry but based on what you told us, we're unable to offer you business insurance. We can still help you to get cover though. We can introduce you to Superscript who may be able to offer insurance for businesses like yours.



Just to let you know, we’ll receive commission if you buy a policy through them. Superscript isn’t part of the same group of companies as U K Insurance Limited, who underwrite Direct Line for Business products.

We found several trades that match your description. Please choose your trade from the list. Help
Sorry, 'Market trader' is too vague. Please try another more specific description for your business activity and select it from the list.
cowens_TradeList

Unfortunately, due to your business activities, we can’t offer you a quote for your business insurance.



However, our partner JM Glendinning Insurance Brokers may be able to offer you cover. You can call them on 01913 386 555.



Just to let you know, we'll receive commission if you buy a policy through JM Glendinning Insurance Brokers, as they are not part of the same group of companies as U K Insurance Limited, who underwrite Direct Line Business products.