15% cashback for Amex customers. T&Cs apply*.
Business insurance
Covers for American Express customers
Public liability
May cover compensation and legal costs if you accidentally cause an injury to a client or any third party – or damage their property in the course of your work.
Employers' liability
A legal requirement in the UK for most businesses with employees, whether full or part time. Note that this also includes apprentices.
Business equipment
Designed to cover accidental damage, loss and theft of equipment belonging to you or your employees.
Professional indemnity
Designed to cover your liability for professional mistakes or problems with your work which result in a claim against you.
Cyber insurance
This concerns your liability for processing data and costs associated with a data breach or security failure. For example, breach of client confidentiality or privacy.
Directors' and Officers' insurance
For personal claims against those with management responsibilities, including breaching health and safety laws, misrepresentations in a pitch deck, or errors in financial reporting.
Commercial legal protection
Designed to help you cover your business's legal affairs as efficiently as businesses with dedicated lawyers.
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.
*Offer terms and conditions
Offer Description:
Save this offer to your Card to get a 15% statement credit when you spend any amount on a GBP transaction online at Superscript Business Insurance by 31/03/2029. Valid once per eligible Card.
Terms, locations, payment restrictions and future communications about this offer will apply. The offer resets every calendar year.
Offer terms
The following sets out the key terms of our Superscript Business Insurance offer. Please read them alongside our General Offer Terms, which include additional conditions such as when statement credits may be reversed.
Statement credits will be applied for eligible transactions and should appear on your account within 30 days, though it may take longer. Credits are not redeemable for cash or other payment forms.
If your credit doesn’t appear, contact us through the American Express App or by calling the number on the back of your Card. By saving the offer, you agree to these terms.
Eligible transactions
- The offer only applies to online purchases made through Superscript.
- Spend must be billed to your Card account by 31/03/2029 to be eligible. If Superscript Business Insurance does not charge your Card during this period, you may not be eligible for this offer.
- Transactions must be in Great British Pounds (GBP).
- Payments made via third parties (such as Buy Now Pay Later, online payment platforms, or processors) are not eligible.
- Cancelled or refunded transactions do not count towards your spend.
Note that some payments through “payment facilitators” (intermediaries accepting payments for merchants) may not qualify. If Superscript offers alternative payment routes that use these services, such transactions will not earn statement credits.
Card eligibility
One credit per UK Card and this offer is only available to the Primary American Express® Business Gold Cardmember and the Primary American Express® Business Platinum Cardmember using their respective Cards.
Transactions made with a Supplementary or Additional Card are not eligible for this offer.
You must first save the offer to your eligible American Express Business Card before making your purchase to qualify. Only qualified purchases made after saving the offer to your Card are eligible.
If you use another Card to make the transaction with Superscript, you will not receive the 15% statement credit on that Card.
If your Card is replaced (for example, due to fraud), you may need to save the offer again to your new Card.
Your use of Superscript
Your purchase is subject to Superscript’s own terms and policies. American Express is not responsible for Superscript’s products or services. For any issues, please contact Superscript’s customer service team.
Use of your information
By enrolling and making a qualifying purchase, you acknowledge that, to enable you to redeem the offer, American Express may share certain transaction data and the first digits of your Account number with the merchant to reconcile and assess the offer. For more information, please review our Cardmember Privacy Statement.
We will use your personal information — such as name, email address, Account number and transaction information — to manage your participation in the offer and to track your spend. Please see our Cardmember Privacy Statement for further details.
Business insurance FAQs
Do I need business insurance?
There are two key reasons why you may need business insurance: Firstly, you might consider what impact a large uninsured claim might have on you and your business. Secondly, is it a requirement if you're working with other businesses or clients?
What does business insurance cover?
Business insurance can provide a level of protection against the potential financial and reputational losses faced in the event of a claim. It's an umbrella term that covers a number of different types of insurance, all of which are designed to provide protection for different risks faced by businesses. These covers can include public liability insurance, professional indemnity insurance and employers' liability insurance.
What are the different types of business insurance?
Some different types of business insurance available in the UK are:
What business insurance do I need?
This depends on the risks your business faces. Some businesses 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 available.
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.
Is business insurance a legal requirement?
Strictly speaking, employers' liability insurance is the only type of business insurance which may be a legal requirement for businesses operating in any industry, with employees. Other covers are, however, may be 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.
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.