I guess the answer is "no", then. I also asked about business banking and insurance on a money management forum and got a similar response (but this time in words
) from those there. It appears that the banks (in the UK anyway) don't want to know about internet marketing or affiliate marketing, they don't understand it! I was asked "but who are you working for?" several times by the business banker and they didn't seem to understand the answer.
I had thought that my explanatory skills were reasonable
so it must have been my accent.
They also wanted me to put my business address (my home) and my telephone number on the web site! (Do they live in the real world?) And the insurance companies will cover Mary Kay and Kleeneze and similar party type businesses but not affiliate marketing. One respondent on the other forum explained that there is no quality organisation setting standards for reports on the internet, so insurers would not want to know.
PAUSE - JUST GOT A PHONE CALL! I had emailed a firm whose policy (online) seemed to cover what I wanted (Professional Indemnity Insurance) but on reading through the policy, again, no. The firm called me just there now and I explained that I wanted to know whether, if I wrote a report, say on diets and gave or sold it to people, could I get insured against being sued if they felt they had been "injured" by following what was said (even if I have disclaimers, etc to warn them to make their own checks) and the answer is, "unlikely". The caller explained that the insurers would want to know what qualifications and experience I have for writing and producing this report and my answer, of course, has to be "none".
So, it looks like PayPal is still the best option. Away to open a PayPal business account now. At least that will give me records for business accounting. (At least, I hope so!)