Better cover. Best prices.
In marketing and advertising, you need to stay ahead of the game. Creativity, dynamism, The Big Idea – they're your bread and butter. But sometimes things move too quickly.
Mistakes are made, checks aren't carried out – it happens. That's where insurance can help. We've designed world-class cover, and made it super simple to buy.
From £5.13 per month
Pay by the month
Change your cover anytime
Make changes without fees
A range of covers to meet your needs
Professional indemnity insurance
Your clients pay for your out-of-the-box thinking. But what if you make a mistake? If your idea or advice doesn't work out as expected, you could face a lawsuit. If that happens, professional indemnity will ensure you're protected.
Copyright and trademarks can sometimes catch you out. But using images, music or other IP without permission can result in hefty legal fees and compensation costs. That's why our IP cover protects you from copyright infringement claims from others, as well as infringement of your own.
Think your data and website are secure? Then think again. More than half of SMEs suffered a security breach in 2014, with the worst costing up to £115,000 in legal fees and compensation. Our cyber liability insurance ensures both your data, and your liability for client data, are protected.
Media liability insurance
Your work is designed to capture attention, but what if it oversteps the mark? If you make unfair comparisons to a competitor, or accidentally defame somebody on social media, you could be in hot water. If that happens, media liability insurance will protect you.
Other covers to consider
Contents and equipment
Protects your property against theft, loss or damage.
Covers your liability to employees for bodily injury or work-related sickness.
Covers your liability to members of the public for bodily injury or damage to their property.
Commercial legal protection
Covers compensation awards, professional fees and legal costs associated with a range of legal disputes.
Advertising agency insurance FAQs
You must have a minimum cover of £5 million for employer’s liability. Failure to have this can mean fines of £2,500 for every day that you’re not properly insured. Various factors influence the level of cover you need, including the size of your business, the type of work you do and the requirements of your clients. You may also find that your regulatory body specifies a certain level of cover, depending on the industry you operate in.
No problem, give us a call and we’ll see what we can do.
You will receive a summary of your cover with your quote, as well as your policy documents which will be emailed to you within 24 hours of buying your policy.
We know that business can be unpredictable, which is why we offer a monthly subscription, so you can change or cancel your cover at any time. Simply send an email to firstname.lastname@example.org providing at least 30 days’ notice and telling us the date you want the policy to end. Please bear in mind you may need to pay one final month’s premium depending on when your next payment is due.
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.
Not a problem – just send us a message or give us a call on 0333 772 0759 and we’ll let you know if we can cover your business activities.
When you buy your policy, we’ll 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.
We're the British Insurance Awards 2018 Insurance Start-up Winner - recognised for our innovative range of covers, online customer experience and flexible subscription model, which make buying and managing insurance easy and accessible for businesses in the digital industries.
Case Study: Moneycado
We had a chat with Oliver Mitchell, Moneycado founder, whose business we provided with comprehensive insurance right from the start.
Year in review 2019: the Digital Risks milestones
As we look forward to a string of updates in 2020 - including new features and products - we wanted to celebrate our journey and achievements so far.
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.
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