0800 276 1197

    General

  • How do I retrieve a quote?

    If you’ve previously obtained an insurance quote on the Small Business Direct website, you can retrieve it by selecting the relevant product from the ‘Retrieve quote’ menu at the top of the screen.

  • How do I get an online quote?

    Simply click the ‘compare quotes’ button on the homepage in the section that matches your business type. Alternatively use the menus or search box to find your specific trade.

    If you can’t find your business type you can always get a quote over the phone. Give our friendly team a call on 0800 276 1197 and we’ll talk you through it or use the form on our contact us page.

  • I can’t find my business type on the site

    If you can’t find your business type on the homepage, try using the menus or search box to find your specific trade.

    Still stuck? Don’t worry, our friendly team are on hand to help – give us a call on 0800 276 1197 and we’ll talk you through it or use the form on our contact us page.

  • How do I make a complaint?

    Should you need to make a complaint, please get in touch with a member of our team by calling 0800 276 1197 or request a call back using the form on the contact us page.

    Our Complaints Policy can be found within our Terms of Business.

  • How do I cancel my policy?

    Cancellation requests need to be made in writing. You can do this via email or by sending us your request in the post. Please refer to our contact us page for contact details.

    If you have any other queries please get in touch with a member of our friendly team by calling 0800 276 1197 or request a call back using the form on the contact us page.

  • How long is my quote valid for?

    Your small business insurance quote will be valid for 30 days.

  • How do I renew my policy?

    Give our friendly team a call on 0800 276 1197 or use the form on our contact us page.

  • Can I pay for my policy by debit or credit card?

    Yes. We accept most major credit and debit cards.

  • I’m an existing customer and can’t find my documents – can I download them from your website?

    Give our friendly team a call on 0800 276 1197 or use the form on our contact us page and we’ll be happy to send you replacement documents.

  • Business premises

  • What is public & products liability insurance?

    It’s designed to cover damage caused to third parties, such as injury caused to a member of the public or damage caused to a customer’s property.

  • What is employers’ liability insurance?

    It’s designed to compensate you should an employee or ex-employee suffer an injury or illness caused by their work. It is usually a legal requirement to have this cover in place if you employ any staff.

  • General

  • Can I pay for my policy in monthly instalments?

    Yes. We offer payment by monthly instalments under the Direct Debit Guarantee. Our credit facility is provided by Premium Credit Ltd. We are a credit broker not a lender.

  • Business premises

  • What is glass & shop-front insurance?

    It’s designed to cover the cost of replacing your glass and signage as a result of malicious or accidental damage, such as damage caused by a storm or a break-in.

  • What is employee theft insurance?

    Employee theft insurance (or fidelity guarantee insurance) is designed to compensate your business if an employee commits an act of fraud, theft or dishonesty in the course of their employment.

  • General

  • Can I pay for my policy by cheque?

    Unfortunately we are unable to accept payments made by cheque for any policy bought online.

  • Business premises

  • What is legal expenses insurance?

    It’s designed to cover your business in the event of legal action. This insurance can provide cover for a range of scenarios including HMRC tax investigations, civil actions brought against you under the Data Protection Act and employment tribunals.

  • General

  • Can I pay for my policy with cash?

    We are unable to accept payments made in cash.

  • Business premises

  • What is buildings insurance?

    It’s designed to cover you for damage to the structure of your property. This can include garages, out-houses, fences and fixtures and fittings.

  • General

  • How do i make a change to my policy?

    Speak to a member of our team by calling 0800 276 1197 or request a call back using the form on the contact us page to discuss your policy changes.

  • Business premises

  • What is loss of money insurance?

    It’s designed to compensate you if you suffer loss or theft of cash, cheques or credit cards – including whilst in transit.

  • General

  • How do I change my contact details?

    Speak to a member of our team by calling 0800 276 1197 or request a call back using the form on the contact us page.

  • Business premises

  • What is stock insurance?

    It’s designed to compensate you in the event of loss, damage or theft. You can also add goods in transit cover to your policy, which is designed to cover your stock whilst being transported.

  • General

  • How do I make a claim?

    See our make a claim page. Here you’ll find all the information you need to start the process.

  • Business premises

  • What is tobacco wines & spirits insurance?

    It’s designed to cover you in the event of loss, damage or theft. This cover is taken separately to general stock insurance as these items tend to be high value.

  • General

  • What is your cookie policy?

    Our Cookie Policy can be found within our Terms of Business.

  • Business premises

  • What is personal accident (assault) insurance?

    It’s designed to provide compensation in the event that either you or your staff suffer injuries as a result of a robbery or break in.

  • What is loss of licence insurance?

    It’s designed to compensate your business in the event that you lose your licence to sell alcohol.

  • General

  • What is your Accessibility Policy?

    Our Accessibility Policy can be found within our Terms of Business.

  • Business premises

  • What is goods in transit insurance?

    It’s designed to compensate your business for loss or damage to stock during transit.

  • General

  • Do you sell customer data?

    We do not sell customer data and we don’t have any plans to. For more information, our Privacy Policy can be found within our Terms of Business.

  • Business premises

  • What is contents insurance?

    It’s designed to compensate your business for loss of or damage to the contents of your premises. Common risks include fire, flood, accidental damage and theft. ‘Contents’ can include personal possessions, furniture and electronic equipment. Some items such as stock and computer equipment may need to be noted separately on your policy.

  • General

  • What is IPT?

     

    IPT stands for Insurance Premium Tax. IPT is a government tax on general insurance premiums.

  • Business premises

  • What is deterioration of stock insurance?

    Deterioration of stock insurance (or frozen food insurance) is designed to compensate your business in the event of damage to stock following breakdown of refrigeration equipment.

  • General

  • What is an ERN?

    An Employer Reference Number (ERN) is a unique reference given to every business that registers with HMRC as an employer. It can be found on many documents including P45, P60 & P1 HD.

    Insurers record this number with the Employers Liability Tracing Office (ELTO) so that they can identify the relevant insurer quickly and efficiently to assist those who have suffered injury or disease in the workplace.

  • Business premises

  • What is tenants’ improvements insurance?

    It’s designed to cover your business against damage caused to improvements you have made to your rented premises. For example if a fire or flood causes damage to partition walls erected as part of a refurbishment.

  • What is computer equipment insurance?

    It’s designed to compensate your business in the event of loss, theft or damage to computers. Some policies will also protect against new risks such as data corruption and cyber-attacks as well as traditional risks such as fire and flood.

  • What is business interruption insurance?

    It’s designed to cover lost income suffered after an incident such as a fire or a flood. As well as lost income, business interruption insurance can also cover your business for additional costs, such as alternative accommodation.

  • What are your standard policy exclusions?

    These will vary depending on policy type, insurer and individual circumstance. You can find policy exclusions in your policy wording which will be supplied once you have obtained a quote.

  • What is my policy excess?

    These will vary depending on policy type, insurer and individual circumstance You can find your policy excesses in your quote summary.

  • Landlords

  • What is property owners’ liability insurance?

    It’s designed to cover damage caused to third parties, such as injury caused to a member of the public or damage caused to a customer’s property.

  • What is employers’ liability insurance?

    It’s designed to compensate you should an employee or ex-employee suffer an injury or illness caused by their work. It is usually a legal requirement to have this cover in place if you employ any staff.

  • What is loss of rent insurance?

    It’s designed to compensate you in the event that your tenants are no longer able to live in the property due to damage – such as a fire or flood. This doesn’t cover you if your tenants simply default on their rent.

  • What is contents insurance?

    It’s designed to compensate your business for loss of or damage to the contents of your premises. Common risks include fire, flood, accidental damage and theft. ‘Contents’ can include personal possessions, furniture and electronic equipment. Some items such as stock and computer equipment may need to be noted separately on your policy.

  • What is buildings insurance?

    It’s designed to cover you for damage to the structure of your property. This can include garages, out-houses, fences and fixtures and fittings.

  • What is home emergency insurance?

    It’s designed to cover you for emergencies such as boiler breakdown, drainage problems, roof damage, electricity supply and damage to locks. The service will vary depending on insurer, but usually your insurer will send out an approved tradesperson to fix the damage.

  • What is accidental damage insurance?

    It’s designed to cover you for unplanned and unintentional damage to your building or contents. For example: water damage caused by accidentally hammering a nail into a water pipe, or a child spilling grape juice on the carpet.

  • What are your standard policy exclusions?

    These will vary depending on policy type, insurer and individual circumstance. You can find policy exclusions in your policy wording which will be supplied once you have obtained a quote.

  • What is my policy excess?

    These will vary depending on policy type, insurer and individual circumstance You can find your policy excesses in your quote summary.

  • Hospitality

  • What is public & products liability insurance?

    It’s designed to cover damage caused to third parties, such as injury caused to a member of the public or damage caused to a customer’s property.

  • What is employers’ liability insurance?

    It’s designed to compensate you should an employee or ex-employee suffer an injury or illness caused by their work. It is usually a legal requirement to have this cover in place if you employ any staff.

  • What is loss of money insurance?

    It’s designed to compensate you if you suffer loss or theft of cash, cheques or credit cards – including whilst in transit.

  • What is stock, wines & spirits insurance?

    It’s designed to compensate you for loss, theft or damage to alcohol you keep in stock. Wines & spirits are noted separately on your policy due to their high value.

  • What is loss of licence insurance?

    It’s designed to compensate your business in the event that you lose your licence to sell alcohol.

  • What is glass & signage insurance?

    It’s designed to cover the cost of replacing your glass and signage as a result of malicious or accidental damage, such as damage caused by a storm or a break-in.

  • What is employee theft insurance?

    Employee theft insurance (or fidelity guarantee insurance) is designed to compensate your business if an employee commits an act of fraud, theft or dishonesty in the course of their employment.

  • What is contents insurance?

    It’s designed to compensate your business for loss of or damage to the contents of your premises. Common risks include fire, flood, accidental damage and theft. ‘Contents’ can include personal possessions, furniture and electronic equipment. Some items such as stock and computer equipment may need to be noted separately on your policy.

  • What is business interruption insurance?

    It’s designed to cover lost income suffered after an incident such as a fire or a flood. As well as lost income, business interruption insurance can also cover your business for additional costs, such as alternative accommodation.

  • What is buildings insurance?

    It’s designed to cover you for damage to the structure of your property. This can include garages, out-houses, fences and fixtures and fittings.

  • What are your standard policy exclusions?

    These will vary depending on policy type, insurer and individual circumstance. You can find policy exclusions in your policy wording which will be supplied once you have obtained a quote.

  • What is my policy excess?

    These will vary depending on policy type, insurer and individual circumstance You can find your policy excesses in your quote summary.

  • Tradesman

  • What is public liability insurance?

    It’s designed to cover damage caused to third parties, such as injury caused to a member of the public or damage caused to a customer’s property.

  • What is employers’ liability insurance?

    It’s designed to compensate you should an employee or ex-employee suffer an injury or illness caused by their work. It is usually a legal requirement to have this cover in place if you employ any staff.

  • What is tools insurance?

    It’s designed to cover handheld tools such as a power drill or saw. This insurance commonly covers your tools against loss, damage and theft.

  • What is owned plant insurance?

    It’s designed to cover plant or machinery that your business owns, such as cement mixers, lawn mowers and scaffolding. This insurance commonly covers your tools against loss, damage and theft.

  • What is hired-in plant insurance?

    It’s designed to cover plant or machinery that your business has hired, leased or rented – such as cement mixers, lawn mowers and scaffolding. This insurance commonly covers your tools against loss, damage and theft.

  • What are your standard policy exclusions?

    These will vary depending on policy type, insurer and individual circumstance. You can find policy exclusions in your policy wording which will be supplied once you have obtained a quote.

  • What is my policy excess?

    These will vary depending on policy type, insurer and individual circumstance You can find your policy excesses in your quote summary.