Beauty insurance

If you insure your business premises where you work, as standard we'll give you equipment breakdown cover, which pays to repair or replace your boiler if it breaks down (excludes wear and tear). It also covers other built-in machinery like burglar alarms and air-conditioning systems.

If you insure the business equipment that you use at your premises, such as washer/dryers and UV nail lamps, as standard we'll give you equipment breakdown cover. It pays to repair or replace your equipment if it breaks down (excludes wear and tear).

If you're keeping stock, such as beauty products and styling tools, then this optional extra provides cover if an insured event happens, such as a break-in or a fire or flood damaging the stock. Maximum limits apply.

When you cover your electrical items and tech you get Business Tech Essentials. Which means if your essential tech - like laptops, mobiles or tablets - are stolen or damaged we'll replace them within 24 hours of claim approval.

Cover & claim limits apply. Mon - Fri 8am - 6pm, except Bank holidays.

Theft of Takings covers cash or cheques stolen from you in transit, from a safe or on you while you're working at other premises, such as your clients' homes. Maximum limits apply.

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.

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.

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.

Peace of mind, if you experience a sudden and unexpected issue, which can cause damage to your home, makes it unsafe or uninhabitable, home emergency's 24-hour claims line means help is never far away. You'll have a certified contractor, such as plumbers, electricians, glaziers, locksmiths, or drainage engineers at your home within 4 hours of your claim being registered, to make the property secure or prevent further damage. In addition, you have access to gas engineers, pest control services and roofers, but these are not subject to the 4-hour response time. Extreme weather and remote locations may extend the response time.

Up to £1,500 inc. VAT per claim for call-out charges, labour costs and materials for insured emergencies, such as issues with plumbing, heating or pest infestations.

There's no excess to pay and no limit on how often you can claim.

You can add home emergency to a Direct Line business policy, so long as you run your business from home and have home buildings insurance, home contents insurance or business contents insurance on your policy. It is available on new and renewal policies, it can't be added during the policy term.

Home emergency isn't currently available on policies that include commercial premises.

For more information click here.

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, you can extend this to include cover for reduced turnover and the costs of setting up elsewhere, due to damage to your premises resulting from an Act of Terrorism. It will also cover you not being able to access your premises as a result of an Act of Terrorism within 1 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 adding it online or 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.