Insurance
Art-tutor.com insurance cover summary
This is a summary of the main things your insurance policy covers and doesn’t cover, and the key
About your policy
Your policy runs for 12 months. It’s underwritten by U K Insurance Limited. We’ll cover you in the UK, Channel
Islands and Isle of Man.
Public and Products Liability
What’s covered
This covers you if as part of your business:
you accidentally injure a customer, visitor, someone you visit or member of the public.
you accidentally damage property that isn’t yours.
a product you sell injures someone or damages their property.
We’ll cover compensation payments, your legal costs if we defend the claim and the other party’s legal
costs if you’re found responsible for the injury or damage.
We also cover
Health and Safety at Work Act – your legal costs and expenses if you or an employee are
prosecuted under the act.
Consumer Protection and Food Safety Acts – your legal costs and expenses if you or an employee
are prosecuted under these acts.
Employees’, customers’ and visitors’ clothing and personal items.
Data Protection Act 2018 – we’ll cover legal costs and expenses up to £500,000 if your business is
prosecuted under the act.
Business and advertisement signs – injury or damage caused by your business’s signs or any
advertising boards.
Theft of client's keys from your home, business premises or car – for pet sitters and dog walkers.
Exclusions and Key conditions
What’s not covered
✘ Manual work away from your property other than collection or delivery.
✘ Injury to your employees or your family members.
✘ Injury or damage caused by any craft or mechanically propelled vehicle.
Key conditions you have to meet
You must pay the excess shown in your schedule.
Professional Indemnity
(claims are administered by Tokio Marine HCC)
What’s covered
We cover you if you’re found responsible for causing your customers or clients to suffer a financial loss
because of a mistake in your work. Cover is on a ‘claims made’ basis, which means we cover you when the
claim is made against you regardless of when the incident happened.
Retroactive cover – you’re covered for work undertaken after the retroactive date shown on your
schedule; if your schedule shows None, we’ll cover you from the date you established your business.
Cover includes:
Breach of professional duty - where you don’t carry out your work to a standard which would
normally be expected.
Correspondence Address: Direct Line Insurance, The Wharf, Neville Street, Leeds, LS1 4AZ. Direct Line insurance policies are
underwritten by U K Insurance Limited. Registered office: The Wharf, Neville Street, Leeds LS1 4AZ. Registered in England and Wales
No.1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct
Authority and the Prudential Regulation Authority. Registration number 202810. Calls may be recorded.
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Libel or Slander - saying something about a person which is untrue and damages their reputation.
Slander is something spoken; libel would be in writing or pictures.
Employees being dishonest.
Accidentally disclosing confidential information about a customer or client.
Accidentally breaching intellectual property rights e.g. using an image in your work without
permission.
Loss or damage of documents.
Up to the limit shown in your policy schedule.
We also cover
Defence costs, such as lawyers, court costs and experts - these are payable in addition to the limit
shown in your policy schedule.
Legal costs if you’re prosecuted under the Data Protection Act.
Exclusions and specific conditions
What’s not covered
✘ Claims and circumstances you knew about before you took out this policy.
✘ Work subject to the laws of North America.
✘ Computer viruses.
✘ If you become insolvent or bankrupt.
✘ Fines or penalties other than for libel or slander.
✘ The excess shown in your policy schedule.
✘ If you use or copy a patented product without permission.
✘ Advice about finance, credit or leasing agreements.
✘ Deliberate or criminal acts.
Specific conditions
If there’s a dispute over the policy cover, and we cannot agree on it, then we’ll ask the Centre for Effective
Dispute Resolution (CEDR) to mediate.
Correspondence Address: Direct Line Insurance, The Wharf, Neville Street, Leeds, LS1 4AZ. Direct Line insurance policies are
underwritten by U K Insurance Limited. Registered office: The Wharf, Neville Street, Leeds LS1 4AZ. Registered in England and Wales
No.1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct
Authority and the Prudential Regulation Authority. Registration number 202810. Calls may be recorded.
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General policy information
This is a summary of the general policy information, which applies to the policy as a whole. For full details,
please read your policy booklet.
What’s not covered?
There are some circumstances that are not covered, for example offshore work, work with or exposure to
asbestos and computer viruses.
Conditions that you have to meet
There are some conditions that you must comply with, for example:
You must make a fair presentation of the risk when you take out and renew your policy and you must
tell us about any changes throughout the year.
Reasonable precautions – you must take measures to help prevent claims and keep the property in a
good state of repair.
Cancellation – you or we may cancel the policy at any time.
Security – you must secure and lock up the property when you are not working.
Fire Extinguishing appliances – You must have fire extinguishing equipment at your property and it
must be regularly maintained.
Deep fat frying equipment – you must fit temperature controls and cut-offs, perform frequent cleaning
and regularly maintain and test the equipment.
Electrical Inspection – The electrics at your property must be inspected and tested regularly and any
repairs must be carried out.
Claims conditions that you have to meet
There are some conditions that you must comply with, for example:
Conditions precedent – certain conditions must be complied with in order for us to pay a claim.
Action by you - this sets out what you need to do in the event of a claim for example, you must
immediately notify the police if there is a theft or attempted theft at your property
Fraudulent claims – if we determine a claim to be fraudulent we may not pay the claim and your
policy may be invalidated.
How to pay
You can pay your premium in full once a year by credit or debit card. If you’re eligible, you can pay by
monthly instalments on a date you choose.
Contact us
You can message us on WhatsApp on 07723576917.
Our human agents are available: 8am-6pm Mon-Fri, 9am-3pm Sat, and 9am-2pm Sun.
How to cancel
If you want to cancel, call us on 0345 303 1756.
As long as you haven't made a claim:
If you cancel within 14 days of the policy start date you get a full refund.
If you cancel after 14 days of the policy start date you get a refund for the remaining cover. We’ll also
charge you an admin fee of £25, plus Insurance Premium Tax.
Correspondence Address: Direct Line Insurance, The Wharf, Neville Street, Leeds, LS1 4AZ. Direct Line insurance policies are
underwritten by U K Insurance Limited. Registered office: The Wharf, Neville Street, Leeds LS1 4AZ. Registered in England and Wales
No.1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct
Authority and the Prudential Regulation Authority. Registration number 202810. Calls may be recorded.
703757294/7 June 2026
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How to claim
The easiest way to tell us about your claim is to visit our website
http://www.directlineforbusiness.co.uk/claims or to scan the QR code at any time, alternatively call us on
0345 303 1753 (Mon-Fri - 8am – 6pm).
If you need to claim for Professional Indemnity, call 0207 648 1122.
How to complain
If you want to complain about the way we’ve handled your claim, please get in touch with your claims
handler.
To complain about anything else, call us on 0800 051 0538 or 01239 636 082. Or you can write to our
customer relations team at Direct Line for Business, Churchill Court, Westmoreland Road, Bromley BR1 1DP.
Taking things further
If you’re not happy with the way we’ve dealt with a complaint, you can refer it to the Financial Ombudsman
Service:
0800 023 4567 or 0300 123 9123
Exchange Tower, London E14 9SR
Who regulates us?
Direct Line policies are underwritten by U K Insurance Limited. We are an insurance undertaking, authorised
by the Prudential Regulation Authority, and regulated by the Financial Conduct Authority and Prudential
Regulation Authority under registration number 202810.