Timely customers get 10% off for 12 months*. T&Cs apply.
Business insurance
Covers for Timely customers
Public liability insurance
If you mistakenly cause an injury or damage someone else’s property, this can cover your legal fees and compensation costs.
Employers' liability insurance
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.
Aesthetic treatment cover
Specialist cover for practitioners carrying out invasive and non-invasive treatments – including injectables, microblading, tattooing and laser treatments.
Business equipment insurance
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.
Cyber insurance
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' insurance
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
Designed to help you cover your business's legal affairs as efficiently as businesses with dedicated lawyers.
Medical malpractice insurance
This cover is designed to protect you against allegations of medical negligence in the treatments or advice you provide, such as physical or mental damage.
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 Timely customers 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 Timely 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. 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.
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 may 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 aim to provide protection for different risks faced by businesses. These covers include public liability insurance, professional indemnity insurance and employers' liability insurance.
What are the different types of business insurance?
Different types of business insurance available in the UK are:
What business insurance do I need?
This depends on the risks your business faces. Some businesses consider 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 available.
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.
Is business insurance a legal requirement?
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 may, however, be 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.
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.