Business Details
Trusted Business Insurance Solutions
Established over a quarter of a century ago, Direct Business Insurance has built a reputation as a trusted independent broker specialising in bespoke business insurance solutions. Our expertise lies in protecting small and medium-sized enterprises across the hospitality sector, including restaurants, pubs, cafes, and private members' clubs nationwide. We prioritise personal consultation over automated systems, ensuring tailored coverage that aligns precisely with each client's operational needs. Backed by partnerships with leading UK underwriters, our policies encompass comprehensive protections including all-risks cover, business interruption, legal expenses, and liability insurance.With a proactive claims service designed to expedite recovery from unforeseen disruptions, we maintain strict adherence to regulatory standards as an Appointed Representative of Movo Partnership Ltd, authorised and regulated by the Financial Conduct Authority. Our multilingual team provides dedicated support through multiple channels, maintaining continuity for policyholders following our acquisition of the Direct Business Insurance portfolio in July 2025.
Services
All Risks Cover
Business Interruption
Legal Expenses
Employers Liability
Public Liability
Highlights and features
- 25+ years' specialist experience in hospitality insurance
- Tailored policies developed with leading UK underwriters
- Proactive claims management service
- Multilingual insurance specialists available
- FCA regulated for client protection
Associations and certifications
- Financial Conduct Authority (FCA)
Services
All Risks Cover
Our All Risks insurance protects against physical damage from fire, flood, storm, and accidental damage. Covers fixtures, fittings, stock, and business contents including tenant improvements. Includes protection for staff belongings and deterioration coverage to maintain operational continuity.
Business Interruption
Business Interruption insurance covers financial losses during operational shutdowns caused by insured events. Protects profit margins, fixed expenses, and wages during recovery periods. Designed to restore businesses to pre-incident financial positions through tailored recovery plans.
Legal Expenses
Legal Expenses cover handles costs arising from commercial disputes, compliance issues, and litigation. Provides financial protection for legal defence costs and compensation claims, ensuring business operations remain unaffected during legal proceedings.
Employers Liability
Employers Liability insurance covers legal obligations for employee injuries or illnesses. Includes defence costs and compensation claims for workplace incidents. Essential protection for businesses with staff to ensure compliance with health and safety regulations.
Public Liability
Public Liability insurance protects against claims from customer injuries or property damage. Covers incidents like slips, trips, and food-related claims. Provides financial security for businesses serving customers in physical premises.
Questions
What types of businesses do you insure?
We specialise in hospitality sector SMEs including restaurants, pubs, cafes, takeaways, and private members' clubs across the UK.
How are claims handled?
Our dedicated claims team provides proactive support through phone assistance and online forms, focusing on rapid resolution to minimise business disruption.
Are your policies regulated?
Yes, we operate as an Appointed Representative of Movo Partnership Ltd, authorised and regulated by the Financial Conduct Authority for client protection.
Can I get tailored coverage?
Our independent broker status allows customised insurance solutions developed with leading UK underwriters to match specific business requirements.
What areas do you cover?
We provide business insurance solutions nationwide across the United Kingdom with established client relationships countrywide.
