Customisable cover for your business, equipment, employees and more.
Business insurance
Which covers do I need?
All businesses are different, but some types of insurance make sense for a lot of companies. Here are some covers you may want to consider.
Public liability
If you mistakenly cause an injury or damage someone else’s property, this can cover your legal fees and compensation costs.
Professional indemnity
Also known as errors and omissions insurance, this can pay legal fees and compensation awarded to a client if they suffer a financial loss because of mistakes in your services.
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.
Business equipment
Can pay for replacements or repairs if your equipment is lost, damaged or stolen. Covers office equipment, as well as your team's portable items.
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.
Directors' and Officers'
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
Can cover legal fees and give you access to professional expertise, including a legal and tax helpline, in the event of a claim or dispute.
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.
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 sometimes require it.
Is business insurance a legal requirement?
Strictly speaking, employers' liability insurance is the only type of business insurance that is a legal requirement in the UK. Other covers are, however, required by certain professional and regulatory bodies.
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.
How much is business insurance?
The cost of business insurance generally depends on a number of factors such as industry, turnover, number of employees and location.
How can I get covered?
Many businesses can get fully covered online in less than 10 minutes. Simply click Start your quote, tell us a bit about your business and select the covers you need.
How do I get my insurance documents?
Once you take out a policy with Superscript, you'll get instant access to your insurance documents. Simply log in to your online account to view all the details of your 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.