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Home Business Insurance for Online Retailers

Make sure you’re covered from £55
a year!

60% of customers paid this or less. Based on policies sold April 16 - Sept 16. Includes IPT and add-ons.


or call us on
0345 303 1739

Running a business from home?

We offer Business from Home Insurance tailored to suit you and your business

The way consumers shop is ever changing, with many now opting to use online retail websites instead of shops on the high street or market stalls. As such, having an online presence is now an essential part of any successful business.

Whether you sell your products from your own website, or through a third party E-commerce site such as eBay or Amazon, it’s important to ensure that your business has the right insurance in place to provide cover against a range of unforeseen circumstances.

Fortunately, Direct Line for Business is here to help.

Our Home Business Insurance for Online Retailers will provide cover in the event that your product causes injury or damage to a person or their property. You could be liable to pay compensation in these circumstances even if you didn't manufacture the product, and the costs can be severe.

Similarly, if your products are stolen either in transit or whilst stored at your home, it could have a significant impact on your ability to trade.

Do I need home business insurance?

Our Home Business Insurance for Online Retailers provides cover for a range of circumstances including:

  • Physical loss or damage to your stock in your business premises and whilst in transit in your own vehicle anywhere in the UK
  • Claims for property damage or bodily injury brought against you by a member of the public
  • Loss of gross profit resulting from an interruption to your business activities

So although you may feel that you’ve done nothing wrong, you will still need to defend your business in order to prove so. The cost of defending yourself and your business is usually a high one, so you need to make sure you have the right insurance in place to cover this cost, should a claim be brought against your business.

What’s covered?

Home Business Insurance for Online Retailers from Direct Line for Business provides the following cover as standard:

  • £2m public liability
  • £2m product liability
  • Business interruption cover
  • Stolen business money cover
  • Business stock and assets cover

All from £55 a year

(60% of customers paid this or less. Based on policies sold November 15 - April 16. Includes IPT and add-ons)