Protect Your Dream & Reality with Direct Business Insurance
At Direct Business Insurance, we understand that running a business in the hospitality sector can be challenging. With the ever-present risks of fire, flood, storm, and accidental damage, it's crucial to have comprehensive insurance coverage that protects your investment and livelihood. Our team of experts has been dedicated to providing bespoke insurance solutions to the hospitality industry for nearly 25 years.
Our Services
We offer a range of services designed to meet the unique needs of the hospitality sector. Our insurance products include:
All Risks
- Physical risk coverage for your business, including fixtures, fittings, contents, and stock
- Includes deterioration and accidental damage
Legal Expenses
- Covers legal expenses that may arise from disputes, compliance issues, or litigation
- Safeguards your finances and allows you to handle legal challenges with confidence
Business Interruption
- Protects your financial loss when you cannot trade as usual due to physical loss or damage
- Aims to put your business back in the same trading position it was in before the event occurred
Liabilities
- Employers' Liability Insurance covers legal obligations and protects you and your business in case employees fall ill or get injured at work
- Public and Products Liability Insurance covers claims for damage or injury from a third party
Our Advantage
At Direct Business Insurance, we pride ourselves on offering industry-leading insurance solutions at the best prices. We operate on the principle of providing the widest bespoke cover at the best price, backed by a hands-on claims service. Unlike comparison sites, we don't offer a 'click-and-buy' approach. Instead, our experienced underwriters take the time to understand your business requirements and risk profile, ensuring you receive the right coverage at the right price.
Multilingual Support
We recognize that the hospitality industry is diverse, with over 70% of restaurants, pubs, takeaways, and bars owned and/or managed by ethnic minorities where English is a second language. That's why we employ multilingual underwriters who can speak Cantonese, Mandarin, Spanish, Urdu, Gujarati, Italian, and English. We ask your preference when you call us, ensuring a personalized service that understands your language and cultural needs.
Our Products
Our bespoke hospitality products have been developed by industry experts over nearly 25 years, in collaboration with leading underwriters. We continually adapt and upgrade our policies to specifically help you meet the challenges that every hospitality business faces. Our products cover a range of sectors, including:
- Restaurants
- Cafes
- Fish & Chips
- Bars & Pubs
- Takeaways
- Nightclubs
Proud to be of Service UK Wide
For nearly a quarter of a century, we have built our reputation by word of mouth, building relationships and solidifying trust with our customers countrywide.
Terrible Experience with the Company
Customers have had an absolute miserable time dealing with this insurance company. They have reported that the company is unreliable, unresponsive, and unhelpful. Multiple reviewers have shared their negative experiences, citing issues with claim denial, lack of communication, and poor customer service.
Refusal to Pay Claims
Reviewers have mentioned that the company frequently refuses to pay claims, citing absurd reasons such as the policy being too old or too new, or that they were previously at a different address. This has left customers feeling frustrated and disappointed.
Difficult Claim Process
The claim process has been described as lengthy and frustrating, with some reviewers waiting months for a response. The lack of transparency and poor communication has made it difficult for customers to navigate the process.
Harassment and Disregard for Customer's Wishes
Two reviewers have specifically mentioned being harassed by the company despite requesting to be removed from their contact list. One reviewer has mentioned that the company is breaking the law by continuing to cold-call them, despite being on the Telephone Preference Service (TPS).
