Business insurance

Get affordable and flexible business insurance to cover every eventuality so you can go all in and succeed with confidence.

Our customisable cover is controlled by you – pick the protection you need from just £5.13 per month and we'll take care of the rest.

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. If you want to adapt your level of cover, no problem! You can do so any time at no extra cost.

  • Adjust your cover as you grow
  • Covered in less than 10 minutes
  • No admin fees for amending or cancelling
  • Monthly subscription
  • Affordable cover for all business types
  • Only pay for the cover you need

Over 1,000 business types covered. Find yours.

Cover for every business, big or small.

There’s no such thing as a one-size-fits-all business insurance policy that covers everyone. At Superscript, we pride ourselves in the flexibility and individuality of our policies, for every type of business that we cover:

What types of cover do businesses need?

Each type of cover protects a different area of your business from risks that you could be liable for if something went wrong. Most policies consist of one or a combination of the below, but we also have a ton of industry-specific covers that can be added when you're getting a quote.

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.

Office insurance

For any business that operates in commercial premises, office insurance protects your assets and operations from the risks associated with fire, flood, burglary or any unexpected event at your office space.

Business interruption insurance

Unexpected events can interrupt your regular business activity, so business interruption insurance can protect you against incidents that affect your revenue stream, your stock and your supply chain.

We offer business insurance to over 1,000 industries

From beauty therapists to builders and landscape gardeners to personal trainers, we insure a huge range of businesses, both small and large, as well as sole traders and freelancers.

Almost every business could benefit from the protection and peace of mind provided by business insurance, but here are some of the industries that use our flexible and affordable cover the most:

So, whether you’re setting up your own salon or expanding your IT consultancy company, start a quote with Superscript today to see how our insurance policies can be tailored to the needs of your business.

Business insurance FAQs

Do I need business insurance?

If you’re wondering whether you could go about your business without insurance, ask yourself two things:

  • Could I or my business afford to pay the legal fees or compensation costs if someone made a claim against me? Keep in mind that these can be in the thousands.
  • Will any of my clients, partners or customers require me to have business insurance? This can be quite common and if you don’t have insurance they may refuse to do business with you.

To learn more, check out our 'Do I need business insurance?' guide.

What does business insurance cover?

Business insurance provides a level of protection against the potential financial and reputational losses you could face 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 are the different types of business insurance?

There are many different types of business insurance available in the UK. Each of them is designed to protect different areas of your business from risks that you could be liable for. The most popular types of business insurance covers are:

We'd recommend having a look at each one to see if it's suitable for you and your business. If you're not sure, don't worry. We'll guide you to the most relevant covers when you build a quote with us.

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. Learn more about the different types of business insurance here.

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. Read more about what affects the cost of business insurance here.

Strictly speaking, employers' liability insurance is the only type of business insurance that is a legal requirement in the UK 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. you can also choose the specific date that you'd like your cover to start in advance of opening your business.

What are the risks involved in not having business insurance?

It may seem like a tempting option to save money on insurance premiums that you do not foresee yourself needing. However, insurance cover exists explicitly to mitigate the risk of unexpected events. An expensive lawsuit or loss of stock or data can cripple an uninsured business and is not a risk worth taking.

Do I need business insurance to work from home?

A lawsuit or loss of stock or data can lead to fees in the thousands, which – if you're uninsured – could damage your business. With this in mind, it's worth thinking about if you could afford not having business insurance and whether it's worth the risk.

Learn more about business insurance

Our insurance 101 guides answer more of your questions around every aspect of cover for 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

Check out our latest posts

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.