Small business insurance

Get a customised policy in less than 10 minutes from £5.00 a month – complete with all the cover you need to worry less about the risks and focus more on making your small business a roaring success.

Small business insurance quote

From£
5.00
per month

What does small business insurance cover?

At Superscript, we understand that your small business is constantly shifting and the last thing you need is more to think about. That's why we make it easy for you to get the insurance you need, when you need it, by monthly subscription. So you can focus on your business, while we take care of the risks.

When getting a quote, you can pick and choose your level of cover, but as a small business you'll want to consider:

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

Over 1,000 business types covered. Find yours.

What insurance does a small business need?

Public liability insurance

Whether you operate from an office, studio or your own home, public liability should be top of your insurance agenda.

If someone has an accident, becomes ill or has their property damaged because of your business, it could lead to a costly lawsuit. Public liability insurance is designed to cover the legal or compensation costs, so your business doesn’t have to. It's not a legal requirement, but some clients will insist on you having it.

Employers liability insurance

Employers liability insurance 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.

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.

Office contents and equipment insurance

If you're reliant on equipment to do your work, contents and equipment cover covers the costs if something gets lost or damaged, so you can get back up and running without missing a beat. Not only can specialist machinery be costly to replace but laptops and phones are easily dropped or misplaced, so it's worth thinking about.

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.

Small business insurance FAQs

What is small business insurance?

Small business insurance is a type of business insurance that’s tailored to small businesses. As a growing company with not many employees, small businesses may not need the level of cover that’s offered to larger organisations. That's why we offer adaptable insurance that fits around the industry you work in and the level of risk associated with your small business.

What small businesses do you cover?

From crafters to cleaners, cake makers to consultants, we insure over 1,000 different business types, so you’re bound to find yours in the bunch. You can have a look at the businesses we cover on our industries page. If you can’t find yours there, simply contact us via web chat, email or phone and we’ll be happy to assist you.

I work from home, do I need small business insurance?

If you operate your small business from home, there are a few different types of cover that you’d benefit from.

Firstly, if you have equipment for your business at home, such as stock, a computer or office furniture, then you’ll most likely benefit from contents insurance. Likewise, if you use a computer and handle data as part of your work, cyber insurance could protect you against hacking or a data breach, for instance.

If you invite members of the public into your home – to attend meetings, appointments or consultations – then you’ll also want to consider public liability insurance.

How to get small business insurance

You can easily buy monthly small business insurance through Superscript by clicking on the ‘Get a quote’ button. We’ll ask you some questions about your business to determine what type of cover would suit you best, then you’ll pick the insurance you need. If you get stuck, we’re always on-hand to help.

How much does small business insurance cost?

Your small business insurance quote will vary depending on a number of factors, such as how large your business is, the nature of your work and your turnover. Our small business insurance cover starts from £5.00 per month. There are a few more factors that influence the cost of business insurance, so it's worth reading up on it.

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.

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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.