Finance & legal services insurance

Public liability insurance covers you if a customer or member of the public is unexpectedly injured or their property is accidentally damaged, which leads to a claim against your business.

In most cases, if you've taken all reasonable precautions to prevent such incidents but still face a claim for injury or damage, we can defend you. This includes covering any compensation payments and legal costs if necessary. However, even if you're found to not have taken reasonable precautions and are held liable for damage or injury, we'll still arrange for the claim to be paid.

With Direct Line's public liability insurance, you can choose different levels of cover to suit your business needs. From £1 million to £10 million.

Here are some examples of what public liability insurance would cover:

• You're meeting with a potential client in a cafe, and you spill coffee on their laptop
• A client trips over your laptop lead and injures themselves
• You accidentally knock over an expensive sculpture whilst visiting a client's property

Like most insurers, if the claim is for third party property damage such as a carpet, laminate flooring, TV, or kitchen hobs, any settlement considers the age and condition of the item.

You need public liability insurance if you:

• Interact with customers, clients and members of the public face-to-face
• Carry out work on client sites, for example, a construction site, or your client's home or office
• Work at events, fairs and markets
• Have visitors to your premises

Read more about public liability insurance

Employers' liability insurance is a legal requirement if you have employees. There are a couple of exceptions to this rule, which you can find out more about on our employers' liability page.

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

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 will 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.

Find out more about buildings insurance

If you rent or own an office, you may want to cover your office contents, equipment and documents. You can also cover your expensive electrical items in case of damage, breakdown (excluding wear and tear) or theft.

We also offer a cover option that allows you to insure these items on the go, which is helpful if you go on site visits or work at different places. If your work laptop fell on the ground and the screen cracked, we'd cover the cost of replacing it.

If you experience a sudden and unexpected issue that causes damage to your home that makes it unsafe or uninhabitable, the home emergency 24-hour claims line is here to help. You'll have a certified contractor, such as a plumber, electrician, glazier, locksmith, or drainage engineer, at your home within four hours of registering your claim to secure the property or prevent further damage. You'll also have access to gas engineers, pest control services, and roofers. These services are excluded from the 4-hour response time. Extreme weather and remote locations may extend the response time.

There is a limit of up to £1,500, including VAT, per claim for call-out charges, labour costs, and materials for insured emergencies, such as plumbing, heating, or pest infestations.

You don't have to pay any excess. There's no limit on how often you can claim.

You can add home emergency to a Direct Line business policy for an additional premium, if you run your business from home and have home buildings insurance, home contents insurance, or business contents insurance on your policy. It's available only on new and renewal policies, and you can't add it mid-term.

Home emergency cover isn't currently available on policies that include commercial premises or tradesperson businesses.

Business interruption insurance offers cover if your workplace is unusable after an insured event such as a fire, theft or flood. Whether you run your business from home, an office, a shop, a client's location, or a shared workspace, business interruption insurance can help cover any loss of income until your business can operate at the same level as it previously did had the damage from the incident not occurred. If you need to temporarily relocate due to this damage, we may also pay for the relocation costs if it's economically viable.

If your main supplier or customer's premises get damaged due to an insured event and they can't trade, we'll cover any loss of turnover for your business. We can only do this once their insurer accepts the claim and manages the repairs to their premises. Similarly, if there's an incident, such as a fire, at a location where your business frequently trades, and you can't trade elsewhere, we'll cover the loss of turnover for the time the premises are unusable.

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.

If you, an owner, partner, director, trustee, or other essential employee of your business die or become seriously disabled as a result of an injury caused by accident and violent means, and are unable to continue working, we'll cover the incurred costs, up to £25,000, to minimise any interruption to the business.

Theft of Takings covers cash or cheques stolen:

• from your premises during business hours
• from your premises outside of business hours that aren't stored in a safe
• from your premises outside of business hours that are stored in a safe
• from you in transit
• from your home, any director or partners home, or authorised employees home
• while you're working at other premises, such as your clients' homes

Maximum limits conditions and exclusions apply.

Find out more about theft of takings insurance

If you hold sensitive customer data, process payments online, or just want peace of mind, cyber cover could be a good option to help protect your business. Cyber criminals can catch you off-guard and trick you into 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 serious.

But, with our cyber cover, you can call the experts, 24/7. They'll help you to stay in business and recover in three ways following a cyber incident:

• Recover financially
  • Covering loss of business income.
  • Covering recovery costs, like fixing damage to your computer systems or data restoration.
  • Covering fines (where insurable by law) and compensation costs following a data breach.
• Recover your reputation
  • You'll 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.

Find out more about cyber cover.

Available on new and renewal policies for eligible retail, and office and professional trades. Cover is up to the limit in your policy schedule for all claims made in the year. You must follow our requirements for data backup, firewalls and antivirus protection. You'll find these requirements and all other terms and conditions in your policy booklet.

This covers the legal costs of providing specialist lawyers and taking action against many common legal problems, for instance disputes with suppliers or clients. Legal expenses cover can only be used if there is at least a 51% chance that the claim will succeed.

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. Including temporary or permanent hearing loss and loss of speech for tradespeople.

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.

If you have commercial premises, you can extend your cover, for an additional premium, to include property damage as a result of an Act of Terrorism. We'll cover you up to the maximum sum insured on your policy for buildings, contents, and business interruption (depending on which covers you have taken).

This includes:

• the rebuild of buildings damaged beyond repair
• cover for damage or loss of your business contents, stock, and computer equipment, to help you get back up and running.

If you choose business interruption cover on your policy, terrorism cover will also include any interruption to or interference with the business, due to damage to your premises resulting from an Act of Terrorism. It will also cover you if you're unable to access your premises as a result of an Act of Terrorism within one mile of your business.

Acts of Terrorism are defined as damage caused by someone acting on behalf of, or in connection with, any organisation which uses force or violence to overthrow or influence the UK government.

Terrorism cover is only available for properties located in England, Wales and Scotland.

Terrorism insurance is optional, so an additional premium will apply.

You can include Terrorism cover on your policy by calling us on 0345 301 5066 when you take out your policy or at renewal, as it cannot be added to your policy mid-term.