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Small business insurance

Tick business insurance off your to-do list. We'll guide you through your options in less than 10 minutes and if you get interrupted you can always pick up where you left off.

Small business insurance quote

From£
5.13
per month

What does small business insurance include?

At Superscript, we understand that all businesses are unique. This is why we make it easy for you to get the cover you need, when you need it, by monthly subscription. As a small business, you'll want to consider:

  • Public and products liability & professional indemnity
  • Business contents cover
  • Employers liability
  • And, increasingly, cyber insurance

Get your small business insurance in less than 10 minutes

Flexible monthly subscription. No fees to change or cancel your cover.

Key covers for small businesses

1

Public liability, product liability & professional indemnity

The first two cover you for claims by members of the public for damage to their property, or injury, due to your business activities. Professional indemnity is for claims made by your clients for their loss that arises out of your professional services.

2

Contents cover

The office equivalent of home contents cover. Unlike many other insurance providers, our contents insurance covers your equipment even if you're based at a co-working space - plus we'll cover up to 90 days a year abroad, if you're working remotely.

3

Employers liability

Employers liability is a legal requirement in the UK for any business with employees. It's there to protect your business against legal and compensation costs if an employee were to make a claim against you due to injury or damage to their property.

4

Cyber insurance

If you hold data or use computers, cyber insurance protects your business for a number of online threats.

What cover do I need for my small business?

With more than 1 in 3 small businesses in the UK claiming that they'd collapse if faced with a bill of £50,000 or more, getting the right insurance is important. Below, you'll find summaries of some of the covers we can offer your business.

Our quote journey will guide you through these options, so you don't need to memorise them!

Public liability insurance

Whether it’s a slip, trip, or fall by a member of the public at your workplace, or someone injuring themselves using your equipment – it could lead to a costly lawsuit. Whether or not you have public liability cover could mean the difference between your business recovering or going bankrupt. It's not a legal requirement, but some clients will insist on you having it.

Product liability insurance

If your business sells products, you'll want to consider product liability cover to cover compensation costs if you're sued for injuries or damage caused by your products. Our product liability cover comes as a package with public liability insurance.

Employers liability insurance

Employers liability insurance is a legal requirement in the UK for any business with employees.

Professional indemnity insurance

If you offer a professional service or advice, professional indemnity insurance is something to seriously consider. It will cover your legal costs if you make a mistake, or if a client suffers a financial loss as a result of your work. It's not a legal requirement, but some clients will insist on you having it.

Office contents and equipment insurance

If you're reliant on equipment to do your work, you'll want to consider protecting your business with contents and equipment cover. Specialised machinery and computers can be costly to replace - and portable items such as laptops and phones are easily lost or damaged.

Cyber insurance

Although cyber insurance isn't a legal requirement, with GDPR regulations in force, a data breach could land you with a fine of €20m or 4% of annual turnover – whichever is higher - and a PR disaster. If you have a data breach, our cyber insurance can cover GDPR regulatory penalties, where insurable by law.

Directors & officers insurance

Although optional, directors & officers insurance (D&O insurance), also known as management liability insurance, can be a good idea. It covers those with management responsibilities for claims against them personally, including breaching health and safety laws, misrepresentations in a pitch deck, or errors in financial reporting. Penalities for these can range from fines, being struck off as a director or even a prison sentence.

We've made insuring your business simple. Get started.

Small business insurance FAQs

What insurance do you need for a small business?

If you run a small business, you'll most likely want to have public liability cover, at a minimum. This would cover you for legal and compensation costs if a member of the public were to sue you due to injury or damage caused by your business activities.

Our public liability cover includes product liability insurance, which would cover you for legal and compensation costs if your products were to cause injury or damage to a customer.

If you have any employees, you'll need employers liability cover too, which is a legal requirement in the UK, for all businesses with employees.

How much does small business insurance cost?

This will vary according to a number of factors, such as how large your business is, what you sell and the industry you work within. Our cover starts from £5.13 per month. Find out more about factors that influence the cost of business insurance.

Is business insurance required by law?

No, most business insurance is not required by law. The exception to this is employers liability cover, which is required by law for any business with employees.

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.

Select from:

Professional covers

From
£7.58
per month

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

Select from:

Management covers

From
£6.90
per month

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

Select from:

Boost your cover from £10.08 per month

Commercial legal protection

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.