Business insurance

Get smarter business insurance that you can shape to your needs.

Business insurance quote

From£
5.13
per month

What is business insurance?

Business insurance is designed to protect you from the risks associated with running a business. It's a catch-all term to describe a range of covers that protect your business from the risks it faces. Whether you’re a sole trader, running a partnership, or a limited company, you'll want to think about your business's set of risks, and whether you want to cover them.

At Superscript, we’ll help you select exactly what you need. Say goodbye to overspending on cover you don’t need!

  • Adjust cover as you grow
  • Monthly subscription
  • Cancel anytime
  • No admin fees

Over 1,000 business types covered. Find yours.

What types of cover do businesses need?

Public liability insurance

Relevant for most businesses, public liability insurance covers claims to do with physical damage or injury to anyone or anything that doesn't involve an employee.

Employers liability insurance

If you have employees, employers liability insurance is a legal requirement. Not having it could result in a £2,500 fine for every day you don't have it.

Business contents insurance

Like home contents cover, but for your business. Our business contents insurance covers you even if you're based at home - or at a co-working space.

Professional indemnity insurance

Cover for your professional services. Professional indemnity insurance includes defence costs related to a claim and compensation if your client suffers a financial loss as a result of your professional services.

Cyber insurance

Often overlooked, but a key cover for any business using computers, cyber insurance provides cover for your data, whether you experience a problem due to a cyber attack or an accidental data breach.

D&O insurance

Also known as management liability insurance, D&O insurance covers your directors or management team against claims from employees, the public, regulators, or investors.

Business insurance FAQs

Do I need business insurance?

There are two key reasons why you may need business insurance. Firstly, could you afford the cost of a large uninsured claim? Secondly, if you're working with other businesses, or clients, they'll often require it.

What does business insurance cover?

Business insurance provides a level of protection against the potential financial and reputational losses faced in the event of a claim. It's an umbrella term that covers a number of different types of insurance, all of which provide protection for different risks faced by businesses. These covers include public liability insurance, professional indemnity insurance and employers' liability insurance.

What business insurance do I need?

This depends on the risks your business faces. Common covers that the majority of businesses could benefit from include public liability insurance, professional indemnity insurance, employers' liability insurance, buildings insurance and business contents insurance. Other more specific covers, such as cyber insurance, directors' and officers' insurance and legal protection insurance are also popular choices.

How much is business insurance?

The cost of business insurance generally depends on a number of factors such as industry, turnover, number of employees, location.

Strictly speaking, employers' liability insurance is the only type of business insurance which is a legal requirement for businesses operating in any industry, with employees. Other covers are, however, required by certain professional and regulatory bodies.

Can I get business insurance before registering my business?

Yes, you can buy business insurance before registering your business.

Customise your cover

To simplify things, we've categorised our covers into three groups: essential covers, professional covers, and management covers. You'll be guided through these different options during the quotation process.

Essential covers

From
£5.13
per month

Essential for all businesses needing protection against bodily injury and lost or damaged property.

Professional covers

From
£7.58
per month

Protect against risks associated with the professional services you provide and the way you market your business.

Management cover

From
£6.90
per month

Protect your management and shareholders against the operational risks associated with running a company.

Boost your cover from £10.08 per month

Legal protection insurance

Covers compensation awards, professional fees and legal costs associated with a range of legal disputes.

We insure thousands of innovative businesses

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Authorised by the FCA

The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.