10% off cover for Freelance Lifestyle members. T&Cs apply
Insurance made for freelancers
Cover built for freelancing
Freelancing is all about choice. Choose your projects, and work when you want to, right? Insurance can be similar, pick the covers you need, leave the ones you don’t. And adjust your policy if you need to, without fees, as your business changes.
- Enjoy 5-star customer service and claims support
- Add or remove covers and adjust your limits, with no extra fees
- Pay monthly or annually, it’s your choice
- Get instant access to your documents
- Protect your business from a range of risks
What insurance do freelancers need?
Professional indemnity insurance
Clients pay for your knowledge and expertise, but what if you make a mistake? This is what professional indemnity insurance is for. If your advice causes your client to lose money, you could face a lawsuit, with legal costs and compensation to pay. Superscript's professional indemnity cover comes with media liability cover as standard, which means you're also covered for accidental copyright infringement.
Public liability insurance
Whether you're working from a home office, a client's office or even out and about, public liability insurance provides protection if you cause accidental bodily injury or property damage to a member of the public or a client while you're working.
Business equipment insurance
Whatever kit you rely on, be it a laptop, filming or other technical equipment, having it lost, stolen or damaged could leave you with a deep hole in your pocket. Business equipment insurance gives you the ability to have your broken or stolen equipment fixed or replaced.
Legal protection insurance
Unlike large companies with in-house legal teams, self-employed professionals don't usually have the convenience of specialist legal support. Legal protection insurance gives you access to specialist commercial legal support, a lifeline if you ever face a legal dispute or have questions about tax issues.
Cyber insurance
A cover often dismissed as irrelevant to smaller businesses and the self-employed, cyber insurance may be relevant for you, if your work involves handling or storing data, or taking card payments from clients. It provides protection in the form of specialist support and compensation legal costs in the event of cyber breach.
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.
Why get cover with Superscript?
Ultimate flexibility
Say goodbye to one-size-fits all cover. Choose protection that evolves with you, supporting your journey and adapting to meet your risks.
Complete transparency
We're an open book. We make the small print as simple as possible - it's there to protect you. And if you're unsure about anything, our 5-star customer service team are here to help.
Terms & Conditions*
The 10% discount is available to any freelancer 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 freelancer discount. The 10% discount applies for 1-year only from the inception date of the initial policy. Subject to eligibility requirements.
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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.