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.
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:
- Freelancers - Where flexibility is king
- Charities - Affordable cover for non-profits
- Limited companies - All the necessary cover for incorporated businesses
- Contractors - Protecting you from risk with each new job
- Sole traders - By your side when you go it alone
- Self-employed - The right insurance for when you are your own boss
- Startups - Insurance cover that helps new companies thrive and scale up
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.
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.
Also known as management liability insurance, D&O insurance covers your directors or management team against claims from employees, the public, regulators, or investors.
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
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.
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.
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:
- Public liability insurance
- Employers' liability insurance
- Product liability insurance
- Business contents insurance
- Professional indemnity insurance
- Business interruption insurance
- Directors' and Officers' insurance
- Cyber insurance
- Legal protection insurance
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.
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.
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.
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.
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.
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.
Boost your cover from £10.08 per month
- 18 Oct 20218 minute read
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