Innovative insurance for fast-moving businesses
Flexible covers tailored to your business and built for the emerging risks you face.
Why choose Digital Risks
Fast and tailored experience
Arrange your business insurance in minutes. Get a quote and set up your cover online. Our web app will make your experience as quick and seamless as possible and help you to make an informed choice about the cover you need.
Flexible, subscription-style policies
Our monthly subscription model gives you ultimate flexibility, with the ability to change or cancel your cover at any time, and without any fees. Meaning you’re more accurately covered and only pay for what you need, when you need it.
Our superior tech enables us to deliver bespoke products that equip your business for all types of risks. Unlike other online insurance providers, our technology places risks individually so we can offer lower premiums for more comprehensive cover.
Exceptional customer service
Our experienced and knowledgeable team will look after you personally if you need support. We have a 24-hour claims helpline and aim to settle most small claims within 24-hours of receiving the necessary information.
We understand what you do and are specialists in the technical risks you face. All our policies are designed with digital businesses in mind so you can be confident that you're protected.
Professional indemnity insurance
Covers your liability to customers for professional mistakes, errors or omissions in services you provide.
Covers your liability for failing to protect data, as well as penalties for not complying with data protection law.
Employers liability insurance
Covers your liability to employees for bodily injury or work-related sickness.
Public liability insurance
Covers your liability to members of the public for bodily injury or damage to their property.
Industries we work with
Film & TV insurance
Whether you’re shooting a feature film, TV production or online video commercial, our cover is built around you.
Your clients trust your strategic advice, but what if things go awry? Our tailored cover will have your back.
If you’re shaking up the world of finance, you need fintech insurance that’s as unique and cutting-edge as you are.
Software and IT services
From apps, to websites and complex systems, software developers are in high demand. Whatever your area of expertise, our cover is tailored to you.
Excellent value at an affordable monthly cost. I have not needed use the services. But its good to know I have the insurance there to allow me to get on with my work.
James, J. Black Photography
Flexible. simple, easy, immediate. As a busy freelancer I need flexibility to potentially change the policy month by month - very handy and a feature I didn't find with other providers.
Tim, Graphic Design Freelancer
Excellent service, and really lovely people. Completely understanding of small or start up businesses, and a willingness/ability to be flexible. I'm very happy.
Lorna, Magic Penny Gifts
A super slick interface and all around great experience. Thumbs up Digital Risks! Having spoken to a number of "large" insurers, the pricing I received from Digital Risks was much more competitively priced for "like for like" cover. Highly recommended.
Really happy with my Digital Risks insurance. Spoke to Josh – he was really helpful and made sure my claim was handled in no time. It didn't feel like a bureaucratic process at all. So, thanks for making a stressful situation quite a bit easier.
Julia, Marketing Professional
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Insuring Web 3.0: Blockchain and Digital Currencies
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Mental Health Day feature: Unmind
"People are now really recognising that mental wellbeing is a significant issue to consider and something that is really affecting the way they work."
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