Hi ... I run my business from home and use AXA.
I didn't have a clue what I needed when I started out but I found them really helpful and they didn't try to over sell bits and pieces that I don't need.
After the first year my DD payments reduced by three pounds a month which was a bonus.
I've dug out the customer care telephone number for you which is 0845 758 1076
To be fair I've never claimed on the policy so I can't testify to their ability to deal with claims but other than that they've been spot on.
Good luck
