Direct Line Business Insurance

  • You currently cannot obtain a standalone Direct Line business insurance policy through Simply Business.
  • Over 1,000 UK trades covered with one of the UK's biggest small business insurance brokers
  • Get multiple quotes and buy online in minutes
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Cover For 1,000 Business Types

  • Essential cover

    Protection if someone is injured or their property is damaged because of your business.

    • Public Liability Insurance
    • Employers Liability Insurance
    • Business Contents Insurance
  • Professional cover

    Legal fees and compensation payments if you make a mistake in your work and a client suffers a financial loss.

    • Professional Indemnity Insurance
  • Management cover

    Cover for legal fees and compensation payments if you make a mistake in your work and a client suffers a financial loss.

How it works

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Answer a few questions about your business.
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Compare a range of insurance policies to find the right one for you.
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If the policy suits your needs, you can take it out and get cover immediately.
Information written by Holly Bennett Last updated on 16 August 2022.

You’re probably familiar with Direct Line for general insurance, such as car and home. But this large UK insurer, established in 1985, has a business insurance offering too.

Its business protection can be suited to hundreds of professions, from photographers to retail, and businesses of all sizes, from contractors to start ups.

There’s also some flexibility, as you build the type of cover your business needs and leave out what it doesn’t, though you can find this approach with some other providers too.

What is Direct Line business insurance?

Direct Line business insurance offers a few types of business cover, each designed to protect you and your business from day-to-day risks and unexpected costs. You can choose which ones are right for your business and leave the ones that aren’t, so you only get the business cover you need.

What types of business insurance does Direct Line include?

Direct Line offers the standard types of business cover, along with more specialist cover for particular trades.

  • Employers’ liability insurance: Helps cover legal and compensation costs if an employee gets injured or is ill due to their work. You must have this cover by law if you employ anyone who isn’t a family member. Direct Line offers cover for £10 million as standard.
  • Professional indemnity insurance: Cover for legal and compensation costs if you or your business make a mistake, are negligent, or offer advice that costs your client money or damages their reputation.
  • Public liability insurance: Cover for legal fees and compensation costs if someone is injured or their property is damaged and your business is to blame.
  • Product liability insurance: Cover for legal fees and compensation costs for claims about a product you’ve sold that’s caused a customer to be ill or injured or their property to be damaged.
  • Cyber insurance: Cover to help your business recover from issues such as data breaches, phishing and cyber attacks, including loss of business income, fines or fixing damage to data or IT equipment.

Direct Line also offers:

For trades, you can also get cover for:

  • tools and business equipment
  • own plant
  • hired in plant
  • contract works

There are also cover packages aimed for professions such as dog walking insurance, stallholders’ insurance and beauty insurance.

How to get a business insurance policy from Direct Line

You can get a quote for Direct Line business insurance online or by phone.

You will need to supply information about your business, including when it started trading, the estimated annual turnover, the nature of your business and where you operate, along with how many employees you have.

Once you have a quote, you can apply online or over the phone, if you’re happy with the price and cover features.

You will also need to specify the type and level of cover you want your policy to include. This will be reflected in your policy documents, if your application is accepted.

» COMPARE: Business insurance

How much does Direct Line business insurance cost?

The premium you are offered for business insurance will depend on your specific business and the cover you’re applying for. Direct Line offers price-matching for new customers.

There will be a few factors involved in calculating the cost, but insurers tend to look at:

  • type of trade
  • business location
  • number of employees
  • claims history
  • types of cover included
  • amount of cover you need
  • the policy excess you choose

» MORE: How much will business insurance cost?

What professions does Direct Line cover?

Direct Line business insurance offers cover for many professions, such as:

» MORE: Does your business need insurance?

Direct Line Business Insurance FAQs

What insurance companies does Direct Line own?

These insurers are part of the Direct Line Group:

  • Direct Line
  • Churchill
  • Green Flag
  • NIG
  • Darwin Insurance
  • Privilege

Where is Direct Line based?

Direct Line’s head office is in Bromley. It also has regional offices across the UK, including in Birmingham, Manchester, Leeds, Peterborough, Bristol and Glasgow.

Is Direct Line still owned by RBS?

Not anymore. RBS Insurance Group rebranded as Direct Line Group in 2012, which is a standalone insurance company. RBS sold all of its remaining interest in Direct Line Insurance Group in 2014.

About the author:

Holly champions clear, jargon-free writing. She’s been creating finance content for leading organisations for over 10 years. Read more

How this service works

This insurance service is provided by Simply Business on behalf of NerdWallet Ltd.

The data you supply and submit is collected directly by Simply Business who are responsible for the handling and processing of that data.

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Simply Business is a trading name of Xbridge Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348). Xbridge Limited (No: 3967717) has its registered office at 6th Floor, 99 Gresham Street, London EC2V 7NG.