Business insurance
Customised business insurance that lets you pick the covers you want and leave the ones you don’t.
Be quote confident. We'll beat the price of any like-for-like quote. T&Cs apply.
Business insurance? Look no further.
Are you looking for ready-to-go business insurance? Or do you need cover that’s tailored specifically to your business? Perhaps you’d like a combination of both?
Generic business insurance that covers everything – and everyone – doesn’t exist. And it shouldn’t.
You expect flexibility and individuality, and we deliver.
What is business insurance?
Business insurance is designed to protect you from losses caused by mishaps and mistakes that happen during your regular course of business.
Your business insurance is often made up of different types of insurance, known as covers. Each cover is designed to help safeguard you and your company from a specific type of risk.
Because Superscript won’t sell you something you don’t want, you can choose the covers you need and leave the ones you don’t want.
What we cover
Each type of cover seeks to protect a different area of your business from risks that you could be liable for if something goes wrong.
Policies can be made up of just one cover, or a whole combination.
Looking for something specific in your business insurance? We have tonnes of industry-specific covers you can add.
These are the types of business covers we offer:
— Human error
— Property and equipment
— Product and IP
— Systems and data
— Added protection
Human error
Public liability insurance
Designed to provide cover for legal and compensation costs relating to claims made against your business due to injury or property damage to third parties.
Employers' liability insurance
Sometimes a legal requirement for most UK businesses with employees. Working at the office or from home, our insurance covers you and your team for on-the-job injuries and work-related illness.
Directors' and officers' insurance
Also known as management liability insurance, this helps protect entrepreneurs running businesses of any size from the associated risks of running a company.
Professional indemnity insurance
Helping protect from the likes of compensation claims, contract and intellectual property disputes, and mistakes in a service you provided. Also known as errors and omissions insurance.
Healthcare professional insurance
Combines medical malpractice, professional indemnity and public liability in one policy for self-employed nurses, doctors, medtechs and other healthcare pros.
Medical indemnity insurance
Includes public liability, medical malpractice and professional indemnity cover for the likes of self-employed healthcare technicians, physiotherapists, dieticians, dental hygienists and more.
Property and equipment
Business equipment insurance
Our specialist business equipment insurance is designed to cover the important items you rely on to do your job, including everything from everyday essentials to specialist kit.
Landlord insurance
Thanks to help from leading underwriters, we designed a comprehensive range of covers to specifically meet the needs of both commercial and residential landlords.
Office insurance
This cover can help you replace equipment after a flood, fire or burglary regardless of whether you rent or own your office.
Tools insurance
Designed to protect the likes of hammers, saws, drills and everything else in your kit from malicious damage or theft claims.
Goods in transit insurance
Whether you're a courier, delivery driver or removal company, goods in transit cover is customisable and designed to protect your precious cargo.
Product and IP
Product liability insurance
If a product you manufacture injures a person or damages their property, this cover can help protect your business against the legal and compensation costs involved in a claim where you may be liable, up to £5m.
Media liability insurance
Thanks to help from leading underwriters, we designed a comprehensive range of covers to specifically meet the needs of both commercial and residential landlords.
Systems and data
Cyber insurance
Designed to cover risks that come with storing and handling data when running a business.
GDPR insurance
Forming part of cyber cover, it’s built to stay on top of internet-based risks, supporting and protecting your business from data breaches and cyber attacks, or failures to comply with UK GDPR regulations.
Added protection
Legal protection cover
This cover aims to give businesses access to legal expertise in the event of a claim or dispute because they don’t have their own in-house legal team.
Accident and sickness insurance
This insurance comes in three parts and is designed to cover workers aged between 16-69.
Firstly, it’s built to provide financial support for up to 50 weeks if you or an employee goes on long-term sick leave. It can also provide financial assistance for up to 180 nights if you, or an employee, were hospitalised.
And finally, a lump sum benefit of up to £50,000 can be paid out if you or an employee suffers a serious injury or up to £25,000 in the unfortunate event that an insured person dies.
Business interruption insurance
When unexpected business slow-downs cause loss of revenue this cover can help. It also chips in for the cost of getting your business up and running at full speed again.
We’re different from other business insurers
We strive to bring you business insurance that’s customised, effortless and fair.
Between machine learning, an in-house team of UK-based experts and a whole load of other tools and expertise, we’ll help you choose exactly what you need.
These are some of the types of business we can cover:
Want to adapt your policy at a later date? You can at any time, with no extra fees.
Is business insurance compulsory?
Regardless of your business setup, you don’t always need business insurance.
However, there may be certain risks you often face and might want to safeguard against them accordingly.
A good starting point if you’re unsure whether you need to insure your business: ask yourself how much an uninsured claim would impact you and your finances.
Business insurance can help mitigate financial losses, get you back up-and-running and in some cases, save your reputation.
When you might need business insurance
There are times when you might need to have specific business insurance, like if you employ staff. But even then there are some exceptions for the likes of immediate family or staff you employ overseas.
Some clients or trade associations might also insist that you take out business insurance before entering into a contract with them.
If you’re unsure, get in touch and our in-house team of insurance experts can help you.
Is business insurance like other insurance?
Yes, but not really.
Like other insurances, you provide us with some important details such as the level of cover you want or whether you want an excess, and we come back to you with your premium.
With that being said, business insurance works a bit differently to other types you might be familiar with because it’s designed to cover a range of risks you and your business might face every day.
Compared to the likes of motor or travel insurance, there are more associated variables and the frequency of any given risk that you might need your business insurance to cover.
Our business insurance covers over 1,000 different business types.
How do I make a claim on my business insurance?
Making a business insurance claim that’s as easy as 1, 2, 3.
- Tell us about your claim as soon as possible.
- We'll get on the case and contact you for more information to sort out your claim.
- We’ll make a decision and your claim is resolved.
All claims are dealt with by our in-house UK based claims team.
Oh! And we're also rated 'excellent' on Trustpilot.
For more details, go to our make a claim page.
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.
Learn more in our guide: Do I need business insurance?
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. Popular types of business insurance covers include:
- 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.
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.
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.
Is business insurance a legal requirement?
Strictly speaking, employers' liability insurance is the only type of business insurance that is usually a legal requirement in the UK for businesses that have employees operating in any industry, with some exceptions. 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.
How do I buy my business insurance?
We need certain details to provide your business insurance quote.
Here’s an overview of some of the questions we’ll ask to help you understand what we need so we can help you get cover quicker:
- Are you a sole trader, a limited company or a partnership?
- What industry do you work in, or what’s the main responsibility in your role?
- What’s the total amount of money your business receives from sales, without deducting things like VAT or discounts?
- Do you operate more than 25% of your business in the USA or Canada? If so, premiums for your cyber, professional indemnity or directors' and officers' insurance may be higher.
- Tell us how many employees you have so that we can determine whether you need employers' liability cover.
- Let us know if you already have business insurance so that we can email you when your policy expires to set up a new policy with us.
- Lastly, we’d appreciate your name, email address and phone number – but that’s optional.
How long does it take to get a business insurance quote?
Online or by broker – when you give us your details you’ll get a quote straight away. But if you're not sure, we’ll save your quote for 30 days.
In some cases our brokers can hold your quote for longer, so be sure to ask when you speak to them.
Be quote confident
We're big on fairness. So if you find a lower price for a comparable quote, we won't just match it – we'll go one better and beat it.
So even better than apples to apples, apples to better apples. We're talking Galas to Braeburns.
As you'd expect, T&Cs apply.
Tailored cover from market-leading insurers
Once you've completed a quote, you'll be able to view a summary of cover. Please always refer to your policy documents for full details around exclusions, terms and limits of your customised cover. Read our guide to understanding your policy documents.
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Individual cover purchased online is offered on a standardised, non-advised basis and is not bespoke. Terms, conditions and coverage limits are predetermined by the Underwriter. If you require bespoke coverage offered on an advised basis, please contact our in-house broking team.
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.
A-rated financial strength
Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).
Protected by the FSCS
If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at www.fscs.org.uk.