Read our review to find out all you need to know about Superscript's business insurance cover, including its pros and cons and whether it's right for your business.
Superscript is a newcomer to the business insurance space, having launched in 2015 as Digital Risks. The company became Superscript in 2020 and now provides cover for over 1,000 business types.
What company underwrites business insurance from Superscript?
Superscript underwrites its own policies. Note that it is a trading name of Enro Limited and is authorised and regulated by the Financial Conduct Authority.
What types of business insurance policies are available?
Superscript offers a range of policy types for a variety of industries and professions. To simplify things, cover is categorised into three groups:
Essential covers. These policies are vital for all businesses needing protection against bodily injury and lost or damaged property.
Professional covers. These policies protect against risks associated with the professional services you provide and the way you market your business.
Management covers. These policies protect your management and shareholders against the operational risks associated with running a company.
Each group of policies can be tailored to your specific needs – you’ll be guided through these different options during the quotation process.
What does Superscript business insurance cover?
Superscript’s cover is flexible, so you can pick and choose the cover that’s right for you and your business. Some of the elements you can choose from include the following:
Public liability. Public liability insurance is a type of cover that protects you if your business becomes legally liable if someone is injured or their property is damaged. It protects your business against legal costs and compensation claims if your business is to be found at fault.
Product liability. Product liability insurance provides cover for people who manufacture, distribute or sell products and protects you against any resulting financial damages. It’s often bundled with public liability cover.
Employers’ liability. Employers’ liability insurance covers you and helps you to protect your employees in case one of them is injured or becomes ill as a result of the work they do for your business. You are legally required to take out this cover if you employ one or more people.
Business contents insurance. Business contents insurance covers the equipment and furnishings you use for your business against theft, loss or damage. This includes having your tools stolen or your premises (or home office if you work from home) damaged by a variety of reasons, such as water leaks and fire.
Professional indemnity. Professional indemnity covers you against claims of negligence by clients if they’re not happy with your work. This type of policy can help with legal costs and compensation payments, up to the limit of your policy (this can vary from a few thousand pounds to several million).
Cyber insurance. Cyber insurance is a form of speciality cover designed to protect your business from a wide range of Internet-based risks, such as data breaches, malicious cyber hacks and email forgery.
Errors and omissions insurance. Errors and omissions insurance (E&O) covers claims in relation to your professional services, including advice or consultation that you carry out for a client.
Healthcare professional insurance. Superscript offers specialist insurance cover for a whole range of healthcare professionals, including nurses, technicians, carers and complementary therapists. It covers medical malpractice, professional indemnity and public liability.
Directors and officers insurance. Directors and officers insurance, also known as D&O, covers claims made personally against company directors and officers relating to their business dealings.
Management liability insurance. Similar to directors and officers cover, management liability insurance is designed to protect directors and officers from claims made personally against them in relation to their business dealings.
Superscript also has policies tailored specifically to different sectors, including tech and media, wellness, professional services, trade, construction, retail and ecommerce.
The company offers cover for a range of different professionals and companies, including contractors and freelancers, sole traders, self-employed, small businesses and startups.
How much cover do I need?
This depends on your personal requirement and the type of cover you would like.
Here are a few things to consider when deciding how much cover to take out:
How many employees do you have?
Do you need cover for yourself, your staff or your shareholders?
Do you deal with members of the public?
Do you own or lease vehicles (including vans)?
Do you work in public spaces?
Do you have dedicated business premises? Do you own or rent these?
How much equipment and tools do you have and how expensive are they?
Do you use or sell products?
Do you store stock?
Do you provide financial advice?
How much does business cover from Superscript cost?
The cost of insurance is an individual thing and will vary depending on your circumstances. However, according to the Superscript website, its Essential covers start from £5.13 per month, its Professional covers start from £7.58 per month and its Management covers start from £6.90 per month.
Can I manage my policy online?
Yes. When you take out a policy with Superscript, you get access to an online account. You can then log in to the business details section, where you can edit your business and trading name, employee and turnover number as well as add or remove premises. Your policy document will be updated automatically.
If you need to remove cover or cancel your policy, email Superscript at support@gosuperscript.com or call 0333 772 0759.
How to contact Superscript?
To contact Superscript’s customer service team, call 0333 772 0759. Lines open Monday to Friday 9am-6pm (closed bank holidays). You can also use this number to message the team on WhatsApp.
The company’s email address is hello@gosuperscript.com.
What is the claims process for Superscript business insurance?
You can make a claim from your online customer account in the Make a Claim section.
You will need to provide as much detail as possible about your claim, including a crime reference number (if applicable), the date of loss or claim made against you, type of claim and its detailed description. You can also attach any relevant supporting documentation like proof of loss, proof of purchase, a letter of demand or a statement of claim.
Once you submit a claim, a member of the Superscript team will get in touch with you as soon as possible. For smaller claims, that’s usually within a couple of days (or hours) of receiving the relevant information. For larger claims, it can sometimes take longer.
Superscript business insurance customer reviews
On customer review platform, Trustpilot, Superscript has 4.8 out of 5 stars, giving it a rating of “Excellent”. This is based on more than 1,400 reviews.
Pros and cons for Superscript business insurance
Pros
Offers a range of policies to suit your requirements
Flexible cover you can tailor to your business
Has great customer reviews
Cons
Customer service phone number only operates Monday to Friday
Geared more towards tech-savvy people
Verdict
If you need business insurance, Superscript is a great option. There is a very long list of professions, sectors and types of policy you can choose from and prices start at just over £5 (though this will vary from business to business).
Superscript is better for people who are comfortable managing their policy predominantly online, though there is a customer service number. If you have read this review and decided that Superscript business insurance is not for you, you can also compare other business insurance policies on the market.
Frequently asked questions
No. Superscript’s website and quotation process are designed to work well on mobile devices, so the company doesn’t see the need in making their customers download an app. Online accounts are accessible via any browser.
Superscript’s online process can only provide cover for companies registered in the UK and sole traders resident in the UK.
However, the company can provide cover for companies and sole traders registered elsewhere in Europe via an application form – contact Superscript for a copy.
Superscript doesn’t provide cover for businesses elsewhere in the world at this time.
On the Superscript website, it says: “To calculate your premium, we look at a variety of factors related to your business. These include its size, turnover and number of employees.
Your business activities are also important, as some types of work naturally involve more risk than others.
It can also depend on the type of insurance you are buying. So, if for example, you’re buying office contents insurance, your premium will depend on the value of the equipment and belongings you want to insure.”
Business insurance is tax-deductible and, along with accountancy and legal fees, counts as allowable business expenses. Insurance is VAT exempt but subject to insurance premium tax at a lower rate.
When you buy your policy, Superscript will ask you when you want it to start. That can be the same day or at some point in the future. You are then covered from 00:00 on the day you choose.
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Ronny Lavie was a deputy editor at Finder, specialising in insurance content. She has almost a decade of experience writing about financial topics, including five months spent as the interim managing editor for the Fintech Times newspaper. Ronny has a Master of Arts in Creative Writing from London Middlesex University. See full bio
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