If you are an existing customer, please submit your ELTO details here.
Public Liability Insurance FAQs
Public Liability insurance: Frequently asked questions
Sometimes it can be difficult to know what decision to make regarding public liability insurance. The page below answers frequently asked questions, helping you find the right type of cover you need.
Insurance Premium Tax is a tax payable on insurance premiums and is set by the Government.
All documents outlining premiums, such as quotations, show how much insurance premium tax you're being charged. However, not all UK residents pay the tax, such as anyone who resides in the Channel Islands or Isle of Man.
Please note that HM Revenue and Customs has increased the rate of Insurance Premium Tax from 6% to 9.5%. This will affect all policies from 1st November 2015 and will be reflected in the renewal premium.
Your quote will be valid for 30 days from the day you receive it.
You can get a quote up to 30 days before you need the cover to start.
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 0345 303 1756. Calls may be recorded.
If you're unsure of the date of your claim(s) please contact your current or previous insurance provider to find out. Or, you can enter an approximate date and then contact us on 0345 303 1760 to amend your claims details with the correct information.
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 0345 303 1760 to amend your claims details with the correct information. Calls may be recorded.
This provides cover 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 insures you against claims for compensation from employees following injury for which you are legally liable.
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 0345 303 1756.
Your individual excesses will be found in the 'Your Summary' page when you have completed the quote details or alternatively please call us on 0345 303 1756.
No, we only accept payments by direct debit and credit/debit cards. Cards that are accepted are Visa, American Express, MasterCard, Maestro, Visa Electron, and Solo card.
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 and your business is not exempt from holding a HM Revenue & Customs (HMRC) Employer Reference Number (ERN), you’ll need to tell us your ERN.
We need to give 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. The database helps people who have suffered injury or disease at work in the UK quickly and easily find the insurance company which was providing Employers’ Liability insurance at the time their injury or disease was sustained.
The Employers' Liability Tracing Office (ELTO) is a service set up by the insurance industry. It helps people who have suffered injury or disease at work quickly and easily find the relevant insurance company. To do this, ELTO needs insurance companies to collect their customers' Employer Reference Number (ERN) where cover for Employers' Liability has been included. For more information, please visit www.elto.org.uk
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 product finder which could help you to decide which of our products may suit your needs. Alternatively, you can call us on 0345 303 1756. Calls may be recorded.
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 0345 303 1756. Calls may be recorded.
If you can't find your exact trade, or one that best matches what you do on the list provided, please call us on 0345 303 1756. Calls may be recorded.
You have the option to input up to seven trades so that we can fully understand your business. If you need some help selecting the right trade please call us on 0345 303 1756.
If you need to add more than seven trades under your policy please call us on 0345 303 1756. Calls may be recorded.
The total number of persons engaged in the business cannot be greater than 15. This includes employees who are solely engaged in manual work as well as employees engaged in clerical work. It also includes temporary employees.
The total number of persons engaged in the business cannot be greater than 15. This includes employees who are solely engaged in clerical work as well as employees engaged in manual work. It also includes temporary employees.
Only if your van is in a locked building or compound. Please refer to the policy wording for full details.
The Business name field is mandatory only for Limited company or Partnership. You can leave it blank if you are a sole trader.