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2 months free for Timely customers. T&Cs apply.

Business insurance Business insurance

Pay monthly or annually
Done and dusted in under 10 minutes
Your first two months for free

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.

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 “2 months free” offer is available to any Timely customer taking out a new business policy online 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 Timely offer. The “2 months free” offer applies for 2 months only from the inception date of the initial policy. Subject to eligibility requirements.


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 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 provide protection for different risks faced by businesses. These covers include public liability insurance, professional indemnity insurance and employers' liability insurance.

What business insurance do I need?

This depends on the risks your business faces. Common covers that the majority of businesses could benefit from include 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 popular choices.

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.

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 are, however, 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 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