Personalised insurance for finance and legal professionals

12 months insurance for the
price of 10

Giving something back to help keep you on track

New policies only, quoted online. Introductory discount applied over the first 12 months. Other available discounts will be applied consecutively.
Excludes Landlord and Van policies.

Got another quote that's still lower? Check out Guaranteed to Beat.

Get free 24/7 legal advice and access to an online legal documents service with Legal Essentials

Included as standard when you buy or renew any of our business insurance policies. Document services and legal advice helpline are provided by DAS Legal Expenses Insurance limited

  • Get 10% off business insurance if you’re already a Direct Line customer.

    Discount applies to your new business insurance policy. Subject to minimum premiums.

  • We can cover you at home, your office, visiting your clients or hot-desking in a shared office.
  • No admin fees if you need to make changes to your policy.
  • 0% APR on your monthly direct debit payments in the first year.

    New customers only, over 18s, subject to eligibility.

  • We won't be beaten on price. We'll beat your new business insurance quote or renewal premium from any other insurer.

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

Personalise your financial and legal service insurance

At Direct Line for Business we understand that your line of work is highly specialised and not without its risks. Clients rely on you to guide them through complex legal and financial service quandaries but you also have to address the many day-to-day concerns of managing your own business.

Your concerns could include safeguarding your employees and equipment, having a plan for your business should your office space become damaged, and making sure that your essential electronic items are covered when you’re out and about visiting clients.

Choosing Direct Line for Business’s Financial and Legal Services Insurance means you can easily cover all these practicalities. Using our online quote tool, you select the exact cover you need, leaving you free to handle anything your working life can throw at you.

You’re in charge of what goes into your policy and what doesn’t. You can choose to add one cover type – like contents cover – or several. No matter how many elements you include, you’ll only pay one monthly or annual fee, with one renewal date. It couldn’t be easier.

Professional indemnity cover

We’re sometimes unable to offer professional indemnity insurance to certain occupations; this is because some specialist jobs need cover from an industry-specific provider.

We do offer professional indemnity cover to:

  • Claims and loss assessors
  • Claims and loss adjusters
  • Arbitration, dispute resolution and mediation professionals

Currently we are unable to offer professional indemnity insurance for finance and legal professionals.

This may change in the future as we are constantly developing the policies we offer. You can still choose the other cover types listed below, in order to cover the other key aspects of your business.

Your cover options

Add any of the following cover options to your Financial and Legal Services Insurance to create an insurance policy that precisely fits your business needs. These covers are subject to policy conditions and limits.

  • Public liability

    Public liability covers you if a client or member of the public is injured whilst visiting your premises or because of an accident caused by yourself or your staff. Many public liability claims are often the results of mishaps in the office, for example, a client or visitor tripping over a trailing laptop wire and causing them an injury.

  • Employers' liability

    If you employ one or more people, you are required by law to have employers’ liability insurance. Visit our employers’ liability page to learn about exemptions to this rule.

    Employers’ liability covers you if an employee becomes ill or is injured because of the work they do for you. At Direct Line for Business, we will cover you for £10 million, as standard.

  • Buildings cover

    Clients depend on your consistency and that’s why you have to be ready for anything. If your office or workspace is damaged by an insured event such as fire or flood, having buildings cover means we can cover the repair costs to get you back up and running again as soon as possible.

    Equipment breakdown cover (for items forming part of the building) is included as standard, so if you need to repair or replace any equipment, this policy will cover the costs. Equipment could include boilers and fire/burglar alarms. The breakdown must not be due to wear and tear.

  • Contents and stock

    Contents cover will cover the cost of replacing any damaged or stolen office contents, including computer equipment, art, furniture and company files.

    If your role means that you’re often out of the office then you might want to insure your contents on the go too, by taking the property away cover. If you lose or damage expensive equipment like a smartphone or laptop, we can cover the costs of the replacement so you can keep in contact with clients and continue to be open to new opportunities.

  • Business interruption

    If your home or office becomes damaged due to an insured event such as a flood or fire, we’ll cover the extra costs of setting up elsewhere temporarily, as well as the loss of turnover if you can’t work. Similarly, if you rent a space in an office or permanently work at a client site which becomes damaged, we’ll cover the costs of securing a new place to work.

    We can cover you if your main client can’t trade because their building is damaged, which results in a loss of business for you, up to a limit of £50,000.

    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 for your clients, this policy will cover you in case of theft. This includes business takings stolen from anyone working for you.

  • Cyber cover

    If you hold sensitive customer data, process payments online or just want peace of mind, Cyber cover should be considered. Because cyber criminals can be clever. Catching you off-guard and tricking you in to doing something you shouldn't, like opening an attachment in a fake email, or finding a way through your cyber-security. If this happens and they get their hands on your data or access to your bank account, the impact on your business could be devastating.

    But, with our Cyber cover, you can call the experts, 24/7. They'll be on it, helping you to stay in business and recover in three ways:

    Recover financially

    • Covering loss of business income if your systems are attacked
    • Covering recovery costs, like fixing damage to your computer systems or data restoration
    • Covering fines (where insurable by law) and compensation costs.

    Recover your reputation

    • You get access to public relations and crisis management experts to minimise damage to your brand and business.

    Recover your systems and help prevent future incidents

    • Technical experts will help fix your IT issues and provide advice on how to prevent future cyber incidents.

    Read more on Cyber cover here.

    Available on new and renewal policies only. For Retail and Office & Professional customers only.

  • Legal expenses

  • Personal accident

    Personal accident cover provides payment if anyone in your business between the ages 16-75 is unable to work because they've been injured in an accident, whether in a business or personal capacity.

    We'll pay a lump sum of £50,000 if there is an 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, then after 7 days we'll pay their normal net weekly earnings up to £500 for up to 104 weeks.

    You can choose Personal Accident as an add-on once you've completed your quote.

How can we help?

Get a quote, talk to us via live chat or call us on
0345 878 5622.

Visit our contact us page to view our opening hours.

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 25 October 2020 onwards, which shows the main covers and exclusions in our policies.