Innovative insurance for fast-moving businesses

Flexible covers tailored to your business and built for the emerging risks you face.

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Award-winning cover
Only pay for what you need

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.

Cutting-edge products

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.

Specialist covers

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.

Cyber insurance

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.

Management consultants

Your clients trust your strategic advice, but what if things go awry? Our tailored cover will have your back.

Fintech

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.

We're rated excellent by our customers

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.

Jonathan, Frello

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
Further reading
21 Nov 2019
5 minute read

The myths around cyber threats and the staggering reality

We have picked the most widely-accepted myths to help business owners rethink and assess the risk areas and start mapping out defence strategies.

15 Nov 2019
7 minute read

Insuring Web 3.0: Blockchain and Digital Currencies

Bitcoin makes its financial services accessible to anyone, at any time, anywhere in the world, but what does it mean for the insurance industry? We unpack the basics and benefits of Web 3.0 in this article.

10 Oct 2019
3 minute read

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."

We insure thousands of innovative businesses
Habit
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Paddle
Ravelin
SafeToNet
GetAgent
Tech Nation
AppyParking
You're in safe hands
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 ÂŁ1m, charity with an annual income under ÂŁ1m, or trust with net assets under ÂŁ1m, 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