Ruuby professionals get two months for free. 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.
Personal accident
If you (or an employee) had a serious injury that stopped you from working, this could provide financial compensation of £2,000, £5,000 or £10,000.
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.
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 "2 months free" offer is available to any Ruuby professional taking out a new business policy online with Superscript.
The "2 months free" 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 Ruuby offer.
The "2 months free" offer applies for 2 months only from the inception date of the initial policy.
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.