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Small Business Insurance

Join the thousands of small business owners covered by Direct Line for Business.

  • We cover you whether you work at home, in an office, a shop, at your clients' premises or at a co-working space.
  • 0% APR on your monthly direct debit payments in the first year and no admin fees if you need to amend your policy.

    Over 18s only, subject to eligibility.

  • We guarantee to beat your new business quote or renewal premium from any other insurer.

    Excludes van. New customers only. Cover on an equivalent basis to ours. Qualifying criteria apply. Terms & Conditions.

Insurance that's just right for your business

We insure thousands of small businesses every year, so we know that no two companies are the same. That's why we provide flexible insurance that you can tailor to suit the unique needs of your business.

Get a business insurance quote by searching for your profession above or calling us on 0345 301 4827.

Do I need business insurance?

It doesn't matter if you work from home, in a busy office, sell products online or offer your services face-to-face, there are risks associated with every type of business. Mistakes can happen, equipment might get damaged or break down and clients can accuse you of negligence. Small businesses often aren't prepared for large, unexpected expenses due to a claim, so it's important to have the right insurance in place.

At Direct Line for Business, we can cover the majority of risks associated with your business. So, instead of worrying about what might go wrong, you can concentrate on building your empire.

You only pay for the insurance you need

No one understands your business as well as you do. That’s why we put you in charge of what goes into your policy and what stays out. Using our intuitive online tool, you can select the aspects of your business you want to insure and build a policy that works for you. Designing your own policy also means you only pay for the insurance you need, not the insurance you don’t.

See the different types of business cover available below.

Get a business insurance quote by searching for your profession above or calling us on 0345 301 4827.

Why Direct Line for Business?

Our experience insuring thousands of small businesses means we know what you need from your insurance:

  • Our quick and easy online process makes customising your Small Business Insurance a breeze.
  • We can cover your different places of work, whether that’s at home, an owned or rented shop or office, a shared office space, a client's premises or a combination of these.
  • Access to Direct Line for Business Legal Documents Service. We provide a library of templates for legal documents that you can customise and use for your business. You can even have your documents checked by a solicitor.
  • You can download your policy documents instantly, so you can show proof of your cover to clients.

If you want to see your business insurance quote, search for your profession above. All you need to do is answer a few questions about the type of work that you do.

Your cover options

Add any of the following cover options to your Small Business policy and create commercial insurance that fits your business needs. These covers are subject to policy conditions and limits.

  • Professional indemnity

    Professional indemnity is useful if your business offers a service or requires you to give advice to clients. If you make a professional error or give advice that is deemed negligent, you could be taken to court.

    Professional indemnity insurance covers any legal and compensation costs you are required to pay. Clients will often ask to see proof of professional indemnity insurance before agreeing to work with a new contractor.

  • Public and product liability

    Public and product liability covers you if you cause injury to a member of the public or accidentally damage someone’s property. An example of this could include a customer slipping on a wet floor in your shop or office and hurting themselves.

    This insurance also covers you if a customer or member of the public becomes ill or suffers an injury as a result of a product you have supplied. For example, if the heel snaps off a shoe someone has bought from you, causing them to fall over, or if a cupcake you sell at an event makes someone sick.

    If the people in question pursued legal action against you, public and product liability insurance would cover the costs you are liable to pay. We can offer cover from £1 million to £10 million.

  • Employers' liability

    Employers’ liability insurance is a legal requirement if you have employees. There are a couple of exceptions to this rule, which you can read more about here.

    We cover you for £10 million, as standard. This covers the legal and compensation costs you are required to pay if an employee gets injured or becomes ill because of the work they do for you.

  • Buildings cover

    If there is an insured event such as flood or fire at your work premises, buildings insurance will cover the costs of repairing the damage, helping you get back up and running.

    Equipment breakdown cover (for items forming part of the building) is included as standard. This would cover the costs of replacing or repairing things like your broken boiler and fire/burglar alarms, as long as the damage is not due to wear and tear.

  • Contents and stock

    Contents and stock cover is essential for businesses that supply goods or rely on specific equipment to run their business.

    A seamstress would not be able to work without a sewing machine, a web designer would not be able to code without a computer and you may not be able to run your business without your trusty tablet.

    Meanwhile, there will be other more general items that you might rely on for your business, like your office furniture or your shop tills. Insure your business contents so that if they're damaged by an insured event, such as fire or theft, your business keeps going.

    If you sell goods, you'll want to insure your stock, whether that's raw materials or the finished article. If your goods are damaged or stolen, what have you got to sell?

    Our different cover options allow you to insure your business equipment and stock at your premises, when you're on the move, or both. Whether you work at home, at fairs, in shared workspaces or visit a lot of clients, we've got you covered. And when you insure stock at your premises or home, you'll also get an extra 25% of stock covered for two months of your choice as standard, ideal for your busiest periods.

  • Business interruption

    Depending on the type of business you run, you might work from home, in an office, at your shop, a client’s premises or a shared working space. If your working premises became unusable due to an insured event like a fire or flood, business interruption will cover the costs of relocating until it’s fixed. It can also cover you for any lost turnover during this time if you’ve insured your premises or business property with us.

    If your main supplier or customer suffers damage to their premises and can’t trade, we’ll cover you for the loss of business you’ll suffer. Equally, if a market or fair that you regularly attend suffers a fire, we’ll cover the lost turnover for the time you can’t trade there.

    Business interruption will also cover you if key equipment that you use to run your business, like a laptop, is damaged or stolen, meaning you can’t trade.

    Our business interruption cover can insure you if you or one of your key employees becomes seriously disabled and is unable to continue work. We will cover the incurred costs, up to £25,000, to minimise any interruption to the business.

  • Theft of takings

    If your business handles cash and cheques, this policy will cover you in case of theft from you, your premises or anyone working for you.

    This is especially useful if your business involves a lot of cash handling — you might be a dog walker, sell your work at craft fairs, or have a food vending business. If cash regularly changes hands in your working life, this sort of cover is ideal.

  • Cyber cover

    Digital technology has helped many business owners run their businesses more efficiently. However, it also opens you up to a host of cyber security threats. Cyber cover is particularly important for businesses that trade online or handle customer data.

    If you are the victim of online cyber crime, or a malicious hacking attempt, cyber cover will pay for the resulting costs to your business. It will cover compensation and defence costs resulting from a data breach or unintentional transmission of a virus. We also cover loss of income in the aftermath of a cyber attack and the cost of investigating a ransom demand, but we will not pay the ransom demand itself.

    In addition, we provide public relations and crisis management support, identity theft assistance and specialist advice to prevent viruses or hacking attacks after an incident.

  • Legal expenses

We also offer terrorism cover. If you would like more information about this cover type, or would like to take out this cover, please call us on 0345 878 5603.

Policy documents

If you have an existing quote or policy with us, you can view and download your policy documents from the My Account page.

We tailor all our policies, so your documents only show what you’ve chosen to cover.

Below is a summary of a generic policy, from 15th July 2018 onwards, which shows the main covers and exclusions in our policies.

Legal Document Service

Included as standard when you buy or renew a policy from 1st February 2016.

Register or log in to Direct Line for Business Legal Documents Service.

Read more

How can we help?

Get a business insurance quote by searching for your profession above, talk to us via live chat or call us on 0345 301 4827.

Visit our contact us page to view our opening hours.

Frequently asked questions

  • QWhat business insurance do I need?

    Different businesses require different types of insurance, that’s why we let you pick and choose the covers that go into your policy. So whether you’re a caterer or an accountant, an IT consultant or dog walker, you can choose the cover that’s just right for your business. Here’s a guide to the main types of cover we offer:

    Depending on your business needs, you may choose to include all or just one of the covers mentioned above in your business insurance policy. Whatever covers you choose to add, you’ll only have one renewal date to remember. You can pay annually or monthly, with 0% APR to pay in the first year.

  • QHow much does it cost to insure a small business?

    Different businesses will need different levels of cover, so the cost of insuring a business will differ. We let you design your own Small Business Insurance, so you're in control of what aspects of your business you insure and how much you pay.

    The cost of your business insurance quotes will be affected by: the size of your business, number of employees, type of trade and your history of insurance claims.

  • QIs business insurance required by law?

    In most cases, business insurance is optional but some clients and companies may require proof of insurance before agreeing to work with you. Event organisers, for example, may need to see proof of public liability insurance before letting you trade at their craft fair. A business professional may require you to show proof of professional indemnity insurance before hiring you as an accountant.

    If you hire employees, you are legally required to take out at least £5 million in employers' liability insurance but we cover you up to £10 million, as standard. To understand your legal responsibilities and what the exceptions are, read more about employers' liability here.

  • QWhat are the different types of micro business?

    A micro business is defined as an enterprise that employs nine people or fewer. As of 2017, micro businesses count for 96% of the UK's business landscape and, as you might expect, there are many different types of micro business.

  • QWhat if my trade is not mentioned on the online quote tool?

    If you can't find your trade using our online tool then you can chat to us online or call us on 0345 878 5622 and we'll see if we can provide cover for your trade.

  • Q What do I do if I have multiple trades?

    Our online quote tool gives you the option to enter all your trades so that we have a clear idea of what type of cover you might need. It's important that we know everything that you do.

    If you don't include something you do as a trade, then we might not be able to cover any claims. You have a duty to make a fair presentation of your business at all times, so if you are in any doubt about what information or changes you need to disclose then chat to us online or call us on 0345 878 5622.

  • QHow long is a quote valid for?

    Your quote is valid for up to 30 days from the day you receive it.