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Liability1st the number one site for direct sellers' insurance

Direct Seller Insurance: Safeguard Your Direct Selling Business and Passion

Are you a direct seller, representative, or stallholder? If you're building your business by connecting with customers directly, whether through home parties, online platforms, or market stalls, protecting your venture is crucial. With Primo, 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. 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.

Comprehensive Cover Options:

  • 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 coverage 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 Primo offers several advantages:
  • Expertise:

    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 personalized 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.
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Straightforward
Simply click the link below and you'll be whisked away to Liability1st's online quote and buy facility.
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Questions
Your assigned broker is happy to answer your concerns. Alternatively check out the FAQ directly below.
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Chat to an Expert
At liability1st there is an online chat feature which can answer your questions or put you through to an expert.
Liability1st Logo
Straightforward
Simply click the link below and you'll be whisked away to Liability1st's online quote and buy facility.
Chalkboard with question written in white and we can help in yellow
Questions
Your assigned broker is happy to answer your concerns. Alternatively check out the FAQ directly below.
Chalkboard with consulting written across the middle.
Chat to an Expert
At liability1st there is an online chat feature which can answer your questions or put you through to an expert.

Direct Selling Insurance FAQ: Your Questions Answered | Primo

  • What is direct-selling insurance, and why do I need it?

    Direct-selling insurance is a specialised insurance policy designed for individuals involved in direct sales, also known as network marketing or multi-level marketing (MLM). It provides financial protection against potential risks and liabilities that may arise 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: 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.
    • Stock Cover: Covers loss or damage to your inventory.
  • 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 cover.
  • 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 quite 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. If you plan to sell products internationally, discuss your needs with your insurance provider to ensure adequate cover.
  • 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 cover.
  • 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 as soon as possible. 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 a wider range of 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 specific 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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Liability1st Logo
Straightforward
Simply click the link below and you'll be whisked away to Liability1st's online quote and buy facility.
Chalkboard with question written in white and we can help in yellow
Questions
Your assigned broker is happy to answer your concerns. Alternatively check out the FAQ directly below.
Chalkboard with consulting written across the middle.
Chat to an Expert
At liability1st there is an online chat feature which can answer your questions or put you through to an expert.

While the brands you work for are quite unique the one thing direct sellers all have in common is their direct selling insurance.

Get the insurance you need with a few simple clicks of Liability1st's online quote and buy facility.
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Avon Representatives

2019 sees Avon UK's 60th anniversary since opening in 1959 and today there are about 160,000 direct sellers in Britain exclusively promoting and selling Avon products.

Ann Summer's Organiser

Ann Summers first opened in London in 1970 but it wasn't until 1981 that the direct selling part of the business came about now known as the party plan concept. With roughly 144 retail outlets Ann Summers now employs 7,500 party organisers with 4000 parties every week in the UK.
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Woman standing next to a beautiful bouquet, looks to be getting married, he's a lucky guy.

Body Shop at Home Consultant

The Body Shop first opened in the UK in 1976 and the Body Shop at Home network started in 1994 and by 2004 there were 3,500 home distributors in the UK. Originally known as Body Shop Direct it was first trialled in Australia.
Forever Living was founded in 1978 in Tempe, Arizona and didn't arrive in the UK until 1988. Forever Living manufactures and sells health and wellness products based on aloe vera. With over 1,500 distributors now operating in the UK.
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Herbalife Distributor

Founded in the US in 1980 Herbalife has become an international success and now sells it's products in 90 countries worldwide. Herbalife now has some 32,000 distributors in the UK.

Oriflame Consultant

Oriflame are a Swedish company founded in 1967. The company sells lip balms, personal care, accessories and dietary supplements. Oriflame now has over 7000 employees in 62 countries.
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Scentsy Consultant

Founded in 2003 the company offers wickless candles, scented wax for electric candle warmers and a range of scented natural oils and diffusers. While not as well known as some direct selling companies here in the UK Scentsy has over 130,000 consultants worldwide.

Younique Independant Presenter

Younique's company foundation is based on Family Values. Brother-and-sister team Derek Maxfield and Melanie Huscroft, founded the company in September 2012 with a mission to elevate, empower, and validate women across the world.
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