Direct Sellers Insurance
Safeguard your direct selling business operation.
Why choose Howden for Direct Sellers Insurance?
Howden is the new name for Primo.
Howden is your go-to partner for comprehensive insurance solutions when protecting your direct-selling business. We simplify the insurance process by leveraging our strong relationships with top-tier insurers, ensuring you receive the best coverage tailored to your unique needs. Our mission is to handle the complexities of insurance so you can concentrate on growing your business and serving your clients.
We understand that every direct-selling enterprise is distinct, so we offer a bespoke service to match your requirements. Whether you need extensive coverage for your operations or a specialised policy to address particular risks, we take the time to craft a solution that fits perfectly.
At Howden, we support you every step of the way—whether you’re securing a new policy, renewing your current coverage, or filing a claim. Our dedication is to provide you with the reassurance and support you need, allowing you to focus on building a successful direct-selling business.
Benefits of working with Howden:
- You can trust us – we’re rated Excellent on Trustpilot.
- Our brokers are well-versed in the nuances of the retail industry.
- We'll work with you to create a bespoke insurance package that meets your unique needs and budget.
- We leverage our relationships with top UK insurers to secure the best rates for our clients.
- Our dedicated team is committed to providing exceptional service.
Our Direct Sellers Insurance
Are you a direct seller, representative, or stallholder? Whether you're building your business through home parties, online platforms, or market stalls, protecting your venture is crucial. With Howden, you can secure tailored direct selling insurance in just a few clicks, ensuring you're covered for the unique risks your business faces.
Affordable protection for Direct Sellers
We understand that as a direct seller, your budget is important. That’s why we’ve partnered with Liability1st to offer comprehensive public liability insurance starting at under £30 per year. With this affordable cover, you'll enjoy peace of mind knowing you're protected against claims for injuries or property damage caused to third parties while you’re working.
What's covered under Direct Sellers Insurance policies?
Not all insurers offer the same levels or types of cover under their direct seller policies, but there are some insurance products you can expect to be typically included:
- Public Liability Insurance: essential protection against claims from third parties who suffer injury or property damage due to your business activities.
- Employers' Liability Insurance: if you have employees, this legally required cover protects you against compensation claims for work-related injuries or illnesses.
- Stock Cover: safeguard your valuable inventory from loss, theft, or damage, ensuring business continuity.
Exclusive benefits for DSA members
As a member of the Direct Selling Association (DSA), you can take advantage of exclusive benefits, including discounted rates on our direct selling insurance policies.
Why choose a broker?
Working with a broker like Howden offers several advantages:
- Expertise: Howden and Liability1st specialise in insurance for direct sellers, understanding the nuances of your business and the unique risks you face.
- Convenience: Our online platform allows you to get a quote and purchase your insurance quickly and easily.
- Choice: We compare policies from multiple insurers to find the best fit for your needs and budget.
- Support: Our experienced brokers are available to answer your questions and guide you through the insurance process.
Don’t leave yourself or your business unprotected
The direct selling industry is thriving, and we're here to help you succeed. Take the next step in protecting your business by obtaining a personalised quote for direct selling insurance today.
Contact our friendly team to discuss your needs and discover how we can help you thrive as a direct seller.
Direct Sellers' Insurance FAQs
What is direct-selling insurance, and why do I need it?
Direct-selling insurance is a specialised insurance policy for individuals involved in direct sales, known as network marketing or multi-level marketing (MLM). It protects against potential risks and liabilities arising from your business activities.
What types of direct-selling activities does this insurance cover?
This insurance typically covers various direct selling methods, including home parties, online sales, catalogue sales, and one-to-one demonstrations.
Who needs direct-selling insurance?
Anyone involved in direct-selling, whether as a part-time representative or a full-time distributor, should consider having this insurance. It's particularly important for those who:
- Host parties or demonstrations in their homes or other venues.
- Sell products or services directly to customers.
- Carry inventory or samples of products.
- Recruit and train new representatives.
What types of risks does direct-selling insurance cover?
Direct-selling insurance typically covers a range of risks, including:
- Public Liability Insurance: Protects you if a third party is injured or their property is damaged due to your business activities.
- Product liability: Covers claims if a product you sell causes harm or injury to a customer.
- Employers' Liability Insurance: If you have employees, this legally required coverage protects you against compensation claims for work-related injuries or illnesses.
Is direct-selling insurance a legal requirement?
While not always a legal requirement, having this insurance is highly recommended to protect yourself from financial losses and potential legal claims. Some direct-selling companies may even require their representatives to have insurance coverage.
How much does direct-selling insurance cost?
The cost of direct-selling insurance varies depending on factors such as:
- The type and level of coverage you choose.
- Your annual turnover.
- The number of representatives you have (if applicable).
- Your claims history.
It's generally affordable, with basic policies starting at under £30 per year.
Can I get insurance if I only sell online?
Yes, direct-selling insurance can cover online sales activities. However, it's crucial to ensure that the policy you choose explicitly includes cover for online sales and any associated risks.
Does direct-selling insurance cover me for international sales?
Some policies may extend cover to international sales, but it's essential to check the terms and conditions of your specific policy. Discuss your needs with your insurance provider to ensure adequate coverage if you plan to sell products internationally.
What's the difference between direct-selling insurance and general business insurance?
Direct-selling insurance is tailored to the specific needs of direct sellers, addressing unique risks like product liability, home-based business operations, and inventory management. General business insurance may not offer the same level of specialised cover.
What happens if a customer has an allergic reaction to a product I sell?
If a customer experiences an allergic reaction or other adverse effects from a product you sold, your product liability insurance should cover any resulting claims for damages or medical expenses.
Do I need separate insurance for events or exhibitions?
Your direct selling insurance should typically cover events or exhibitions where you promote and sell your products. However, some event organisers may require additional event-specific liability insurance.
What if I work for multiple direct-selling companies?
Many direct-selling insurance policies allow you to cover multiple companies under one policy. However, it's important to declare all the companies you work for to your insurer to ensure you have adequate coverage.
Does direct-selling insurance cover my car if I use it for business purposes?
Your regular car insurance may not cover business use, so you might need to add business use cover or get a separate commercial vehicle insurance policy. Check with your insurer for details.
How do I make a claim on my direct-selling insurance?
If you need to make a claim, contact your insurance provider immediately. They will guide you through the claims process and provide the necessary forms and information.
Why should I choose a broker for my direct-selling insurance?
A broker can help you:
- Compare policies: They can access various options from different insurers, helping you find the best fit for your needs and budget.
- Tailor your cover: They can customise your policy to address your business activities and risks.
- Provide expert advice: They can offer valuable guidance on insurance matters and help you understand complex policy terms.
- Manage claims: They can assist you in filing and resolving claims smoothly.
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