Freelancers in the UK often need business insurance — whether it’s public liability, professional indemnity, or equipment cover. But choosing the right provider can be confusing.
In this guide, we compare three top options: Simply Business, Superscript, and PolicyBee.
Let’s break them down by features, flexibility, and who they’re best for.
⚖️ Quick Comparison Table
| Feature | Simply Business | Superscript | PolicyBee |
|---|---|---|---|
| 🔍 Insurer access | Compares quotes from top UK insurers | Direct-only | Direct-only |
| 📄 Policy types | PLI, PI, tools, employers’ liability | PLI, PI, cyber, injury | PLI, PI, cyber, home office |
| 💳 Payment options | Annual only | Monthly or annual | Annual only |
| 🧰 Setup | Online quote form | Monthly sign-up model | Quick quote builder |
| 👤 Ideal for | Full-time freelancers | Flexible/part-time freelancers | Sole traders & specialists |
| 🔗 Link | Get quotes → | Get cover → | Compare plans → |
🔍 Simply Business
Simply Business isn’t an insurer itself — it’s a broker that lets you compare quotes from leading UK business insurance providers. It’s ideal if you want to shop around for the best price or customise multiple types of cover.
✅ Key Benefits:
- Compare multiple insurers in one go
- Instant quotes + online setup
- Wide policy range: liability, indemnity, employers’, tools
🔍 Superscript
Superscript offers monthly, flexible insurance aimed at freelancers and startups. If you’re part-time, project-based, or just want to avoid annual contracts, Superscript is built for you.
✅ Key Benefits:
- Monthly subscription model
- Add/remove cover types easily
- Simple and fast setup
- Personal injury and cyber options
🔍 PolicyBee
PolicyBee specialises in freelancers and sole traders. They make it easy to get tailored quotes, and their support team is known for being friendly and knowledgeable — especially for niche professions like tutors and virtual assistants.
✅ Key Benefits:
- UK-based support team
- Covers home office + remote workers
- Custom quotes for specialist trades
- Track referrals with a co-branded page (if using affiliate)
❗ Which One Should You Choose?
Here’s a rough guide:
- Choose Simply Business if you want to compare quotes and customise cover types
- Go with Superscript for part-time freelancing, monthly billing, and flexibility
- Use PolicyBee if you’re a sole trader, or specialist looking for friendly support
Still unsure? There’s no harm in checking all three to compare pricing and cover side-by-side.
📌 Final Thoughts
Choosing the right insurance as a UK freelancer isn’t just about price — it’s about getting the right protection, the right support, and flexibility to match your work style.
👉 Visit the Freelancer Toolkit for more essential tools and guides.