Business insurance made simple

We've partnered with Capalona to offer their customers our monthly business insurance – enjoy the first month free when you sign up!
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Why Superscript?

Monthly subscription

Avoid a year-long commitment to locked-in terms. Pay monthly, change or cancel your cover anytime, for free!

No cookie-cutter cover

Pick and choose what you want to be covered for and only pay for the covers and limits your business needs.

Manage online, 24/7

Get covered in less than 10 minutes with our quote builder and manage your cover online in just a few clicks.

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 or damage to their property.

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.

Terms & Conditions

The one month free discount is available to any Capalona customer taking out a new business policy with Superscript; it will not be granted in conjunction with any other offer, voucher or discount, excluding unique referral codes from our Refer a friend programme which can be used in conjunction with the Capalona discount. The discount applies for one year only from the inception date of the initial policy.

Business insurance FAQs

Do I need business insurance?

There are two key reasons why you may need business insurance. Firstly, could you afford the cost of a large uninsured claim? Secondly, if you're working with other businesses, or clients, they'll often require it.

What does business insurance cover?

Business insurance provides 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 provide protection for different risks faced by businesses. These covers include public liability insurance, professional indemnity insurance and employers liability insurance.

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.

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.

Strictly speaking, employers liability insurance is the only type of business insurance which is a legal requirement for businesses operating in any industry, with employees. 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.

We insure thousands of innovative businesses

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 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