Protect your business, employees and assets with
Business Insurance
Start Your Quote*10% of Superscript online customers paid £5 a month or less between January and March 2023
Enro Ltd t/a Superscript is authorised and regulated by the Financial Conduct Authority. FRN 656459
*10% of Superscript online customers paid £5 a month or less between January and March 2023
Enro Ltd t/a Superscript is authorised and regulated by the Financial Conduct Authority. FRN 656459
Get 1 month free cover with Superscript and Supacompare. T&Cs apply
Supacompare has teamed up with Superscript to make finding business insurance as easy as 1,2,3
Supacompare has teamed up with Superscript to make finding business insurance as easy as 1,2,3
What is business insurance?
Business insurance, sometimes called commercial insurance acts as safety net for companies.
It refers to a comprehensive range of policies and cover designed to help protect your business from potential financial losses as a result of unexpected events where you need to make a claim, or if a claim is made against you.
Business insurance policies can cover all sorts of situations, from everyday problems to substantial compensation claims and legal costs. For example, if something bad happens to your business premises, such as a big accident or a fire - business insurance can help cover the costs of replacing or repairing damage property. It also helps protect you and your business should liability claims, employee injuries occur or if you are faced with business interruption.
By having the ideal business insurance in place for the needs of your business, you can protect your business, employees and livelihood.
Do I need business insurance?
Although for many companies, having business insurance isn't mandatory, if you have employees, employers' liability insurance is usually a legal requirement. Also, if you operate vehicles as part of your business, you may need commercial vehicle insurance.
Even if it isn't a legal requirement for your specific business, it is worth considering business insurance. Designed to help protect your business, assets and financial stability in the case of the unforeseen, whether you are a large, established or just starting out, having business insurance provides peace of mind so that you can focus on growing your business without worrying about the what-ifs.
Why Superscript?
Superscript makes it simple for you to find, buy and manage your business insurance.
Insuring over 1,000 business types – from dog walkers to dieticians, landlords to locksmiths, crafters to crypto exchanges – Superscript’s cover can be tailored to your needs.
Enro Ltd t/a Superscript is authorised and regulated by the Financial Conduct Authority. FRN 656459.
Customisable cover
When it comes to insurance, there’s no such thing as one size fits all. With Superscript, you can handpick your covers and limits
Cover that grows with you
With Superscript, you can adjust your cover or change your limits at any time – with no admin fees
Hassle-free claims process
Upload details to Superscript’s customer portal, so it can be processed by their in-house team of claims experts
General covers
Public liability insurance
A slip on a wet floor, a coffee spilled on a client’s laptop – accidents happen. And if you mistakenly cause an injury or damage someone else’s property, this can cover your legal fees and compensation costs
Employers’ liability insurance
Designed to 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 – whether they’re temporary, permanent, full-time or part-time
Business equipment insurance
Every business relies on equipment. This can pay for replacements or repairs if your gear gets lost, damaged or stolen. It can cover portable items like phones and laptops, as well as kit that stays in your place of work
General covers
General covers
Business interruption insurance
If an unexpected event – such as a fire, flood, computer breakdown or supply chain issue – causes a slowdown in trading, this can cover lost revenue, as well as the cost of getting your business back up and running.
Buildings insurance
Helps you get back to business after events such as flood, fire or burglary. If you own your workplace, this can cover the building itself. If you rent, it can pay for the fit-out, as well as your landlord's fixtures and fittings
Personal accident cover
Can pay a benefit if someone working for the business suffers an accident resulting in loss of hearing, sight, speech or a limb, death or leaving them disabled and permanently unable to work
General covers
Professional covers
Cyber insurance
Designed to cover the risks that come with storing and handling data, and provides protection against things like cyber attacks or accidental data breaches
Professional indemnity insurance
Also known as errors and omissions insurance, this can pay legal fees and compensation costs if a client suffers a financial loss because of mistakes in your services
Healthcare professional insurance
… and public liability for self-employed nurses, carers, healthcare technicians and more.
Professional covers
Management covers
Directors' and officers' insurance
For limited companies - covers claims made personally against your company's directors or officers in connection with wrongful acts
Commercial legal protection insurance
Covers compensation awards, professional fees and legal costs associated with a range of other legal disputes and tax enquiries
Management covers
Got questions about business insurance? Your financial PA, SuPA has you covered!
If you have any employees, you’re likely to have a legal obligation to get employers’ liability insurance – whether your staff are full-time or part-time, temporary, or permanent.
Other types of business insurance aren’t legally required, but you may need certain covers to join particular trade bodies or professional organisations.
There are various types of business insurance, including:
Business interruption insurance
Commercial property insurance
Cyber liability insurance
Employers' liability insurance
Professional indemnity insurance
Product liability insurance
If you would like to learn more about the types of insurance provided by Superscript, please click here.
Public liability insurance covers claims from third parties (e.g. customers or the public) for injuries or property damage. Employers' liability insurance is for claims from employees who are injured or fall ill due to work-related activities.
Business insurance can cover various scenarios, including property damage, liability claims, employee injuries, legal expenses, business interruption costs, and more. Be sure to read policy documents carefully as each policy's cover specifics will vary.
Firstly, assess the risks and needs of your business. Consider factors such as the size of your business, number of employees, the nature of your operations and your industry.
When choosing a provider for your business insurance, a little research goes a long way. Some of the main things to look out for include:
Reviews: customers’ experiences can give you helpful insight into a prospective insurers’ strengths and weaknesses
Regulation: UK insurers are regulated by the Financial Conduct Authority (FCA), and you should be able to find evidence of this on an insurer’s site. You should also look out for regulatory ratings – a score of A or higher from A.M. Best, Lloyd’s, S&P or Fitch suggest that the provider can be trusted
Many insurers offer the option to bundle cover types, such as property, liability, and business interruption insurance. Bundling may result in a more simplified management of policies and cost savings.
The cost can vary significantly depending on factors like your business type, location, cover needs and the insurer. Request quotes from different providers to get an idea of the cost range for your specific business and needs.
Some insurers may offer discounts for various reasons, including bundling coverage, have security measures in place, being part of specific industry associations or if the premium is based annually rather than monthly.
Your insurance needs are likely to change over time. For example, you may need higher limits as your turnover increases, or you may need additional covers if you start employing staff, provide new services or make changes to your business structure.
While some insurance providers allow you to make mid-term adjustments to your policy, not all do – and some may charge a fee for doing so.
If your insurance needs are likely to change, it’s worth checking whether your chosen insurance provider allows you to make adjustments, and how much they’ll charge you for doing so.
In the case of an incident, promptly contact your insurer. They will guide you through the claims process, which will usually involve providing documentation and details about the incident.
All insurance policies come with exclusions. Be sure to refer to your policy documents for full details about what’s not covered.
Compare other business products with Supacompare
Compare other business products with Supacompare
At Supacompare.com, whilst we always endeavour to provide accurate information about the products, services and pricing of the providers featured on our site, these are controlled by the providers and not Supacompare.com. As such, the information is subject to change and may differ slightly from the information above.
Enro Ltd t/a Superscript is authorised and regulated by the Financial Conduct Authority. FRN 656459
The period of free cover of 1 month free (‘the Customer Offer’) is only available to Supacompare customers who are new online, non-advised Superscript customers. After the 1 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 Customer 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 Supacompare by clicking on the appropriate link and cannot be retrospectively applied. The Customer Offer is not assignable. The Customer Offer will be automatically applied to your account by Superscript. The Customer Offer will be applied each applicable month, regardless of annual or monthly payment option selection. There is no cash alternative. The Customer Offer can not be used in conjunction with any other Superscript offer, voucher or promotional benefit. The Customer Offer is subject to eligibility requirements. We reserve the right to withdraw the Customer Offer at any time. Terms and conditions are subject to change and you may not be informed.