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Small Business Insurance

The right insurance can help you focus on running your business

Whether you’re thinking of starting a small business, or are already running one, it's important to make sure that you're properly insured.

At Direct Line for Business, we understand that everyone’s insurance needs are different. That’s why we offer a range of insurance solutions for all types of small businesses and allow you to tailor cover to suit your needs.

These include:

So where should you start?

Telling the difference between types of business insurance available can be confusing for many start-up businesses.

However, the following guidelines should help you choose the right insurance plan for your business.

Professional Indemnity Insurance

For contractors, freelancers and small businesses

Do you provide professional advice or services to your clients?

If you do and your client feels that your advice was negligent and caused a financial loss or damage to their reputation then they could claim for compensation.

For contractors and freelancers - ranging from accountants to IT consultants - professional indemnity insurance could make a real difference if things go wrong, allowing you to work with more confidence.

Even sending an email containing confidential information to the wrong recipient could result in a civil case being brought against you.

Many clients, especially local authorities or large companies, will often request proof of professional indemnity insurance before they agree to work with you. So it's important to make sure that you're covered.

What's covered?

  • Up to £2 million cover that’s tailored to your profession
  • Trade associations compliant
  • No admin fee for changes made during the policy term

Prices start from £7.99 a month

(10% of customers paid this price November 2015 - April 2016)

Public Liability Insurance for Small Businesses

For public facing businesses

If you, a business partner, or an employee are responsible for an accident that causes injury, loss or damage to a customer - or a member of the public - you'll be covered under this type of insurance.

It's worth bearing in mind that small businesses falling into this category could include mobile hairdressers, tradespeople and tutors who work in customers' homes.

For small businesses that exhibit at craft fairs, summer fetes and Christmas markets, event organisers will often ask for proof of liability insurance before they agree to let you take part.

What's covered?

  • Up to £1m Public Liability cover with the option to increase up to £10m
  • 24/7 legal helpline
  • £1m Product Liability protects the products you provide

We guarantee to beat any quote for the same cover

(New customers only. Cover on an equivalent basis to ours. Qualifying criteria apply)

Home Business Insurance

For running a business from home

It's a common misconception that if you're running a small business from home, your equipment and materials will be covered by your home insurance policy.

In most cases, however, this simply isn't true.

Whether you're making crafts, selling cakes or keeping stock at home, protecting your business requires specialist cover.

Cover for stock, equipment and loss of income is included as standard and you can rest easy knowing that you're protected against some of the most common business risks.

What's covered?

  • £2m Public Liability protects your clients or customers
  • £2m Product Liability protects the service or products you provide
  • Business items in the home

Cover starts from just £55 a year.

(60% of customers paid this or less November 2015 – April 2016)

And don't forget, we also do Van Insurance.