10% off business insurance for Ruuby therapists. T&Cs apply*.
Business insurance
Cover for Ruuby professionals
Public liability
If you mistakenly cause an injury or damage someone else’s property, this can cover your legal fees and compensation costs.
Medical malpractice
Designed to protect you against allegations of medical negligence in the treatments or advice you provide, such as physical or mental damage.
Aesthetic treatments
Specialist cover for practitioners carrying out invasive and non-invasive treatments – including injectables, microblading and laser treatments.
Business equipment
Can pay for replacements or repairs if your equipment is lost, damaged or stolen. Covers portable items, as well as kit that stays in your place of work.
Employers' liability
Can cover the legal and compensation costs associated with claims made by employees. If you have any staff, this is likely to be a legal requirement.
Cyber
Often overlooked, but key for any business using computers or handling data, this provides protection against things like cyber attacks or accidental data breaches.
Accident and sickness
Designed to pay a benefit if someone in your business is on long-term sick leave, hospitalised or suffers an injury leaving them unable to work.
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
The discount offer of 10% off (‘the Offer’) is only available to Ruuby therapists who are new online, non-advised Superscript customers. The Offer will be applied to your Superscript policy for a 12 month period from the date of policy start date.
After the discounted 12 month period, premiums will then be calculated at the applicable rate. You will be informed of any price changes in good time, prior to the anniversary of your policy.
The offer will not apply to cancellation fees. In the event that you cancel your Superscript policy within the first 6 months of cover, we reserve the right to deduct, withhold or charge the total value of the offer from any payments due to or from you.
To be eligible, you must have been directed from Ruuby by clicking on the appropriate link and cannot be retrospectively applied. The offer is not assignable. The Offer will be automatically applied to your account by Superscript at the beginning of your policy. The offer can only be used once during any 12 month period. There is no cash alternative.
The Offer cannot be used in conjunction with any other Superscript offer, voucher or promotional benefit. The Offer is subject to eligibility requirements. We reserve the right to withdraw the Offer at any time.
Terms and conditions are subject to change and you may not be informed.
Subject to eligibility requirements.
FAQs
What should I select as my “business type”?
You can choose from the following options:
Limited company: An organisation that's set up in order to run your business and is registered with Companies House. A limited company's finances are separate from the owner's, and has its own tax and legal obligations to fulfill.
Partnership: A partnership is when two or more individuals enter into business together with the intent to share the profits generated by their work.
Sole trader: A self-employed individual who chooses to conduct business as an individual and does not have any partners or shareholders.
Most Ruuby professionals are sole traders, but some may have set up their own limited company.
What should I select as my “primary business activity”?
This should specifically relate to the services that you provide via Ruuby:
If you provide massage or wellness services, please select Complementary Therapies.
If you provide hair or beauty services, please select Hairdressing or Beauty Therapy.
If you provide physiotherapy services, please select Physiotherapists.
If you provide osteopathy services, please select Osteopathy.
What cover should I select?
If you select complementary therapies or physiotherapists as your primary business activity, please select our healthcare professional insurance product.
If you selected beauty therapy or hairdressing as your primary business activity, please select public liability insurance.
If you select osteopaths as your primary business activity, please select our public liability insurance product. If you also require professional indemnity or medical malpractice insurance, please gives us a call.
What cover limit should I select?
All Ruuby professionals are required to have a minimum limit of £1 million public liability insurance.
With Superscript, you can buy public liability insurance as a standalone cover or as part of our healthcare professional insurance (which also includes professional indemnity and medical malpractice insurance).
What should I enter when asked to add each of the premises I operate from?
Unless you have a business premises, you should enter your home address.
What should I enter when asked to add the name of my business?
If you're a sole trader, you should use your own name. If you run a limited company, use your registered business name.
Learn more about what details to enter when getting out a business insurance quote.
What's not covered?
We'd love to cover everything, but unfortunately we do have some exclusions, depending on the nature of your work and the covers you select.
Please always refer to your policy documents for full details around exclusions, terms and limits of your customised cover.
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.