Public Liability Insurance FAQs

You will need to enter a valid email address to obtain a quote. If you do not have an email address you can still obtain a quote and buy a policy by calling us on 0845 303 1756. Calls may be recorded.

Your quote will be valid for 30 days from the day you receive it.

You can get a quote up to 30 days in advance.

If you are unsure of the date of your claim(s) please contact your current or previous insurance provider to find out. Alternatively you can enter an approximate date and then contact us on 0845 303 1760 to amend your claims details with the correct information. Calls may be recorded.

If you are unsure what the amount of your claim(s) is please contact your current or previous insurance provider to find out. Alternatively you can enter an approximate cost and then contact us on 0845 303 1760 to amend your claims details with the correct information. Calls may be recorded.

You can provide us with up to four claims within the last 3 years. In the majority of cases we will be able to help, but our ability to provide a quote will depend on the information you supply. Unfortunately, if you have more than four claims we will not be able offer a quote.

Please refer to the policy summary document where we detail the general exclusions. For more details please refer to your policy wording or call our customer services department on 0845 303 1756. Calls may be recorded.

Your individual excesses will be found in the 'Your Summary' page when you have completed the quote details or alternatively please call us on 0845 303 1756. Calls may be recorded.

No, we only accept payments by direct debit and credit/debit cards. Cards that are accepted are American Express, MasterCard, Visa Electron, Visa, Maestro and Solo card.

This provides protection against your legal liability for death or bodily injury (other than to an employee) and / or loss or damage to third party property arising out of the operation of your business.

This protects you against claims for compensation from employees following injury for which you are legally liable.

Direct Line for Business offers insurance solutions for a variety of businesses. Click on the product links below to see the details of the cover provided by each of our products, or try our insurance selector by clicking on http://www.directlineforbusiness.co.uk/product_finder.html which could help you to decide which of our products may suit your needs. Alternatively, you can call us on 0845 303 1756. Calls may be recorded.

• Tradesman insurance
• Van insurance
• Home business insurance
• Landlord insurance
• Commercial landlord insurance
• Shop insurance
• Office / Surgery insurance
• Guest house insurance
• Restaurant / Pub insurance

If you do not have a business name then please enter your full name instead.

Unfortunately your van is not covered under the tradesman policy but Direct Line does offer van insurance as a separate product. If you would like to get a quote you can do this online or call us on 0845 303 1756. Calls may be recorded.

If you can not find your exact trade, or one that best matches what you do, on the list provided please call us on 0845 303 1756. Calls may be recorded.

You have the option to input up to three trades so that we can fully understand your business. If you need some help selecting the right trade or you have more than 3 trades under one policy please call us on 0845 303 1756. Calls may be recorded.

If you need to add more than three trades under your policy please call us on 0845 303 1756. Calls may be recorded.

You can have up to a maximum of 10 people covered for manual employees working permanently in the business under your policy. We can also additionally provide cover for temporary employees. Cover is subject to a maximum of 50 days worked by all temporary employees. (For example this could be 2 temporary employees working 25 days each through the year, or 1 temporary employee working a total of 50 days).

The total number of persons, both permanently and temporarily, working manually in the business cannot exceed 15 at any one time.

You can have up to a maximum of 10 people covered for clerical employees working permanently in the business under your policy. We can also provide cover for temporary employees. Cover is subject to a maximum of 50 days worked by all temporary employees. (For example this could be 2 temporary employees working 25 days each through the year, or 1 temporary employee working a total of 50 days).

Our policy provides the following as standard:

• Public liability

You can also insure:

• Employers' liability
• Tools and Business Equipment
• Business Stock
• Own Plant
• Hired in Plant
• Contract Works
• Temporary Employees and Bona Fide subcontractors

Only if your van is in a locked building or compound. Please refer to the policy wording for full details.

An Employer Reference Number, also known as an Employer PAYE Reference, is given to every business that registers with HM Revenue & Customs (HMRC) as an employer. Businesses that pay any Employee above the PAYE threshold are required to have an ERN, which is the reference number for their employees' income tax and national insurance contributions.

The ERN is printed or written on mandatory documents including the P45, P60, P11/D, and on most payslips. The format of the ERN is usually 999/XX99999 or 999/X99999.

Some businesses are not assigned an ERN because all Employees (including labour only subcontractors, trainees and apprentices) are paid below the PAYE threshold.

If you select Employers' Liability (or it is provided automatically within your cover) and your business is not exempt from holding a HM Revenue & Customs (HMRC) Employer Reference Number (ERN) you will need to provide us with your ERN.

If you purchase the policy, we are now required to supply employers' liability insurance policy details including, where appropriate, your ERN to the Employers' Liability Tracing Office (ELTO) who will add the details to their electronic database. This database will assist individuals who have suffered an employment related injury or disease arising out of their course of employment in the UK, to identify which insurer was providing employers' liability cover during the relevant periods of employment and to identify the relevant employers' liability insurance policies.

The Employers' Liability Tracing Office is an insurance industry-wide initiative to help those who have suffered injury or disease in the workplace to trace the relevant Employers' Liability (EL) insurer via a centralised database of EL records.

The ELTO database will contain all new and renewed EL insurance policies from April 2011, policies from before April 2011 that have had new claims made against them and policies that have been identified through the tracing service.

For more information, please visit www.elto.org.uk