Welcome to Direct Business Insurance, your trusted partner for comprehensive business insurance solutions tailored to the unique needs of the hospitality sector. Our team of experts has extensive experience in providing bespoke coverages that cater to the specific risks and challenges faced by restaurants, cafes, takeaways, fish and chip shops, bars, and nightclubs.
Our Services
At Direct Business Insurance, we understand that every business is unique, which is why we offer a range of insurance products designed to provide comprehensive protection for your business. Our experienced underwriters work closely with you to determine your specific requirements and provide tailored solutions that cater to your business needs. Our insurance products include:
- All Risks Cover: This comprehensive coverage protects your business from a range of physical risks such as fire, flood, storm, escape of water, subsidence, and accidental damage.
- Legal Expenses Cover: This essential coverage safeguards your finances by providing legal expenses protection in the event of disputes, compliance issues, or litigation.
- Business Interruption Cover: This coverage protects your financial loss when you cannot trade as usual due to direct physical loss or damage such as fire or flood.
- Liabilities Cover: This includes Employers Liability Insurance, which covers your legal obligation and protects you and the business should employees fall ill or get injured at work, as well as Public and Products liability insurance, which covers damage or injury to third parties.
Our Commitment to Excellence
At Direct Business Insurance, we are committed to providing the widest bespoke cover at the best price with a hands-on claims service to ensure your business is quickly compensated and recovers from loss, damage, or closure. We pride ourselves on our personalized approach, taking the time to understand your business needs and providing tailored solutions that cater to your unique requirements. Our multilingual underwriters can communicate with you in Cantonese, Mandarin, Spanish, Urdu, Gujarati, Italian, and English, ensuring that language barriers do not hinder our ability to provide exceptional service.
Our Expertise
With nearly 25 years of experience in the industry, our team of experts has developed a deep understanding of the challenges faced by businesses in the hospitality sector. We continually adapt and upgrade our policies to specifically help you meet the challenges that every hospitality business faces. Our products are designed to provide comprehensive protection for your business, ensuring that you have peace of mind and can focus on what matters most - running your business.
Negative Experiences with the Insurance Company
Unreliable Claims Process
Reviewers have reported difficulties with the claims process, stating that the company consistently finds reasons to refuse payments. Reasons cited include the age of the claim, the location of the claim, and other seemingly arbitrary excuses.
Poor Customer Service
Reviewers have also expressed frustration with the customer service, describing representatives as unhelpful and unresponsive. One reviewer reported waiting six months for a response to their claim, while another mentioned receiving no response to an official complaint.
Overpriced Policies
One reviewer reported saving 250 by switching to a different insurer, suggesting that the company's policies may be overpriced.
Cold-Calling and Legal Issues
Maggie Maynard reported being harassed by the company with repeated cold calls, despite being on the Telephone Preference Service (TPS). This is a clear violation of the law, and suggests that the company is not taking steps to respect customers' privacy.
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