Direct Line Home Business Insurance
 | Provider | If you are running a home business | Direct Line Home Business Insurance | From £4.41per month | Varies | TypeCover TypeBusiness contents and stock cover
LevelCover LevelStandard
DetailCover DetailStandard Home Business Insurance includes...
Business contents and stock cover for any amount to a maximum of £75,000 (for example office furniture and equipment)
Public and product liability for injury to the public or damage to their property, up to £2m
Reimbursement for loss of income caused following an insured event such as a fire or flood, up to £50,000 over a 12 month period
Cover for theft of business money at home or in transit
As well as increasing many of the above limits you can extend cover to include:
Buildings cover up to £500,000, which can include your home and/or your workshop or outbuildings within the boundary of your property.
Employers' liability cover of up to £10m
Portable business equipment away from your premises (for example laptops and mobile phones)
Legal expenses | Online | Work out of your home or outbuildings on your property, or at your clients' property |  |
Running a home business means dealing with a unique set of challenges, and our insurance is designed to meet them. For instance, you're probably concerned about the potential liability you could have to your customers, and you'll want to know you are covered for things like loss of stock, or loss of income if something happens to your home that means you can't carry on your business.
DETAIL INFORMATION >> | RestrictionsRestrictionsYou must be over the age of 18 years old.
ServicesServicesUK based business team
AdvantagesAdvantages1. If you find a cheaper home business insurance quote for the same cover, we'll beat it - Guaranteed (terms and conditions)
2. Plus, you also get 0% interest on your monthly payments (Subject to status. For the first year only. 18s and over. Typical 0% APR.)
DisadvantagesDisadvantages1. See the general exclusions for more details. |
Insurantz.com
 | Broker | A variety of Business or Occupations | Insurantz.com | From £20 per month | From £250 | TypeCover TypeBusiness Insurance
LevelCover LevelStandard
DetailCover DetailTradesmen Insurance
Office Insurance
Shops & Retail Insurance
Working from home Insurance
Beauty, Hair & Therapists Insurance
Surgeries & Clinics Insurance
Restaurants & Takeaways Insurance | Online | A variety of Business or Occupations | |
Insurantz.com has revolutionised the way small businesses get insurance. By moving the whole process online, it takes just minutes to get a personalised quote and full cover; no paperwork, no phone calls, no endless questionnaires!
DETAIL INFORMATION >> | RestrictionsRestrictionsTo qualify for a no claims discount you must have traded for 5 years in this business and made no claims in these 5 years.
ServicesServicesIf you find a cheaper policy with at least the same benefits, terms and price commitments within 14 days of taking out cover, we'll reduce the cost of your first annual premium by twice the difference
AdvantagesAdvantages1. 0% interest on monthly payments
2. Prices are guaranteed for 24 months
3. If premiums go down, yours does too
4. We’ll pay double the difference if you find a better deal
5. If you make a claim, you don’t pay more
6. We don’t charge start-ups extra
7. No claims mean lower premiums
DisadvantagesDisadvantages1. You must apply to obtain a quote
2. You have to pay an excess if you make a claim |
Towergate Public Liability Insurance
 | Broker | Firm believers that, where possible, prevention is better than cure. | Towergate Public Liability Insurance | Varies on policy chosen | Varies | TypeCover TypePublic Liability Insurance
LevelCover LevelVaries on policy chosen
DetailCover DetailCommon features:
1. Employers’ liability
2. Public liability with varying levels of cover
3. Contract works
4. Tools
5. 24-hour tradesman helpline
6. Cover can be extended for temporary employees | Online, Tel | A poilicy designed to cover legal defence costs for alleged negligence and to pay compensation where the business is found to be at fault. | |
Towergate Insurance’s public liability insurance for business owners and tradesman is designed to cover legal defence costs for alleged negligence causing injury or damage to third parties arising out of business activities and to pay compensation if your business is found to be at fault. Go through our simple quote process and you can choose what public liability insurance policy suits you best. You will receive up to 5 different quotes from major insurers – just pick the right policy for you and buy online!
DETAIL INFORMATION >> | RestrictionsRestrictionsTo compare quotes you will need the following information:
1. Your renewal documents from your current insurer
2. Details of your turnover and employee wageroll
3. Details of any previous claims
ServicesServicesSome of the policies from our panel of insurers include the following features:
1. Temporary employees cover free of charge
2. Free legal cover
3. Tradesman 24 hour help line
4. European cover
AdvantagesAdvantages1. Buy online 24/7
2. Compare prices from a range of leading providers
3. Personal Accident
4. Buildings cover
5. Contents cover
6. Professional Liability Insurance also available
DisadvantagesDisadvantages1. If you apply for any product or service detailed on this website, these Terms of Use should be read in conjunction with any other terms and conditions which relate to any such product or service and, in the event of any contradiction between these Terms of Use and the specific terms and conditions relating to such product or service, the latter shall prevail. |
Direct Line Office Insurance
| Broker | Office and Surgery Insurance | Direct Line Office Insurance | From £44.17 per month | Varies | TypeCover TypeDirect Line Office Insurance
LevelCover LevelStandard and Optional Cover
DetailCover Detail1. Business contents cover (for example office furniture, filing cabinets, dentist chairs) for any amount to a maximum £2m
2. Employers' liability for damages, legal costs and expenses following injury to your employees up to £10m
3. Public and product liability for injury to the public or damage to their property, up to £2m
4. Loss of income caused following an insured event, up to £500,000 over a 24 month period | Online, Tel | If you have unique business insurance requirements | |
Direct Line provides office and surgery insurance for businesses or surgeries that operate from commercial premises and enjoy an annual income of up to £1m. Receive 0% interest on your monthly payments and if you find a cheaper officer or surgery insurance quote for the same cover - they will beat it guaranteed.
DETAIL INFORMATION >> | RestrictionsRestrictionsYou must be over the age of 18 years old.
ServicesServicesYou can extend your Office Insurance / Surgery Insurance cover
AdvantagesAdvantages1. Operate from commercial premises
2. Enjoy an annual income of up to £1m
3. Include Estate Agents or Accountants, Solicitors, Doctors, Dentists or Veterinary Surgeries
4. If you find a cheaper office or surgery insurance quote for the same cover, we'll beat it - Guaranteed (terms and conditions)
5. Plus, you also get 0% interest on your monthly payments (Subject to status. For the first year only. 18s and over. Typical 0% APR.)
6. You can call our UK based business team
DisadvantagesDisadvantages1. Please refer to the policy summary document where we detail the general exclusions. |
Hiscox Business Insurance
 | Broker | You have more than seven employees and your annual turnover exceeds £750,000 | Hiscox Business Insurance | Varies | Varies | TypeCover TypeSee Cover Detail
LevelCover LevelStandard - Advance
DetailCover Detail1. Professional indemnity insurance
2. Liability insurance
3. Office insurance
4. E-risks insurance
5. Personal accident insurance | Online | Medium to large businesses | |
Hiscox offer specialist business insurance for office based professionals and consultants. They understand every business is different and work hard to understand the specific risks small businesses face, so you can choose insurance to suit your individual business needs. That’s one of the reasons why Hiscox has won ‘Best Small Business Insurance Provider’ in the Start Your Business Awards for 2 years in a row.
DETAIL INFORMATION >> | RestrictionsRestrictionsSee terms and conditions
ServicesServicesYou may need professional indemnity insurance if you:
1. Provide advice to your clients
2. Handle data belonging to a client or business
3. Are responsible for a client’s intellectual property
4. Provide a professional service and could be challenged on your work
AdvantagesAdvantages1. Cover for claims by a client due to problems with work you have done for them
2. Protection against non-payment of fees due to a claim by a client for negligent service
3. Choose from 7 levels of cover, up to £2 million
4. Flexible policies so you can change your cover depending on the projects you’re working on
DisadvantagesDisadvantages1. Ensure you read the terms and conditions to see exclusions before you apply. |
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