Business insurance Business insurance

Done and dusted in under 10 mins
We’ll beat your quote, T&Cs apply
Hassle-free claims, UK-based support

Be quote confident

We're big on fairness. So if you find a lower price for a comparable quote, we won't just match it – we'll go one better and beat it.

So even better than apples to apples, apples to better apples. We're talking Galas to Braeburns.

As you'd expect, T&Cs apply.

Get your quick quote

From£
5.00
per month

Why get covered with Superscript?

Say goodbye to bundled policies, and hello to personalised insurance built around your business needs.

10% of businesses paid £5 a month or less for their public liability cover between January and March 2023.

You’ll enjoy benefits such as:

  • Pick the covers you need, leave the ones you don't
  • Pay monthly or yearly, it's your choice
  • Adjust your cover as things change, without fees
  • A quote in four minutes, fully covered in 10
  • Instant access to your policy documents
  • UK-based support, hassle-free claims

Cover for every business, big or small.

There’s no such thing as a one-size-fits-all business insurance policy that covers everyone. At Superscript, we pride ourselves in the flexibility and individuality of our policies, for every type of business that we cover:

  • Freelancers
  • Limited companies
  • Contractors
  • Sole traders
  • Self-employed
  • Startups

Business insurance FAQs

Do I need business insurance?

If you’re wondering whether you could go about your business without insurance, ask yourself two things:

  • Could I or my business afford to pay the legal fees or compensation costs if someone made a claim against me? Keep in mind that these can be in the thousands.
  • Will any of my clients, partners or customers require me to have business insurance? This can be quite common and if you don’t have insurance they may refuse to do business with you.

What does business insurance cover?

Business insurance provides a level of protection against the potential financial and reputational losses you could face 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 are the different types of business insurance?

There are many different types of business insurance available in the UK. Each of them is designed to protect different areas of your business from risks that you could be liable for. The most popular types of business insurance covers are:

  • Public liability insurance
  • Employers' liability insurance
  • Product liability insurance
  • Business contents insurance
  • Professional indemnity insurance
  • Business interruption insurance
  • Directors' and Officers' insurance
  • Cyber insurance
  • Legal protection insurance

We'd recommend having a look at each one to see if it's suitable for you and your business. If you're not sure, don't worry. We'll guide you to the most relevant covers when you build a quote with us.

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 that is a legal requirement in the UK 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. you can also choose the specific date that you'd like your cover to start in advance of opening your business.

What are the risks involved in not having business insurance?

It may seem like a tempting option to save money on insurance premiums that you do not foresee yourself needing. However, insurance cover exists explicitly to mitigate the risk of unexpected events. An expensive lawsuit or loss of stock or data can cripple an uninsured business and is not a risk worth taking.

Do I need business insurance to work from home?

A lawsuit or loss of stock or data can lead to fees in the thousands, which – if you're uninsured – could damage your business. With this in mind, it's worth thinking about if you could afford not having business insurance and whether it's worth the risk.

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.