Direct Line
Business Insurance Review

Direct Line Business Insurance - read our review and compare the features and benefits available from Direct Line. We can help you to make an informed decision and find a policy that suits your business.

Direct Line Business Insurance - read our review and compare the features and benefits available from Direct Line. We can help you to make an informed decision and find a policy that suits your business.

Direct Line offers a comprehensive insurance package covering risks such as fire, theft, malicious damage and public liabilities amongst others. Direct Line's Commercial Property Insurance covers against each of these risks as part of its standard cover and then allows the policyholder to tailor it to their individual needs by adding optional extras or increasing cover levels.

Direct Line Tradesman Insurance

Advice

Tradesman Insurance & Public Liability Insurance for, Self employed tradesmen and/or Tradesmen with up to 10 manual employees, Including cover for tools and equipment (up to £5k per employee)

Up to £1m public liability cover with the option to increase up to £5m

Discounts & Charges
No Claims Discount: N/A
Charge to Pay Monthly: 0% (for 1st year only) then 8%
Online Discount: N/A
Features
Direct Line's new Tradesman Insurance product is designed for traditional building and allied trades (established professional tradesmen and craftsmen with up to ten manual employees).

It could take one small mishap to jeopardize a decorator, electrician, plumber or builder's ability to earn an income. Direct Line's Tradesman Insurance protects tradesmen in such situations, providing a comprehensive standard policy. This gives up to £1 million public liability cover, with the option to increase up to £5 million and add additional covers, allowing the customer to mould the insurance to their needs.

Standard cover:
Public liability
Optional cover
Employers liability
Tools and equipment

The top Tradesmen professions who bought Direct Line's Trademan Insurance are:
Builders PDHs (prof. development hours)
Painters and decorators (excluding heating)
Carpenters and joiners
Plumbers all other work
Carpet/upholstery cleaner
Gardeners
Cleaning contractors
Painters and decorators (other)
Bricklayers
Double glazing installers

Other key selling points:
£100 excess in respect of damage to third party property
Free 24 hour advice lines including legal advice on any business problem including Employment, Tax, Contract Disputes etc, stress counselling and health and medical assistance

Direct Line Commercial Property

Advice

Standard cover for Buildings including Equipment breakdown and Public/Property owners liability up to £2m. Optional cover for: Loss of rent receivable, Landlords contents, Employers liability and Personal accident

If you find a cheaper commercial landlord insurance quote for the same cover, we'll beat it - Guaranteed!

Discounts & Charges
No Claims Discount: N/A
Charge to Pay Monthly: 0% (for 1st year only) then 8%
Online Discount: N/A
Features
Standard cover:
Buildings including Equipment breakdown
Public and Property owners liability

Optional cover:
Loss of rent receivable
Landlords contents
Employers liability
Personal accident

Key selling points:
Alternative accommodation costs, up to 20% of the sum insured on the damaged building
Damage to gardens caused by emergency services up to £25,000 for any one claim
Free 24-hour advice lines including glass replacement and legal advice
Equipment breakdown, including landlords contents contained within tenanted property

The top commercial property owner trades who bought Direct Line's Commercial Property Insurance are:
Offices
Motor dealer
Hairdressers
Light engineering
Estate agency
Café
Clothing retail
Public House
Beauty Salon
Sandwich bar

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