Business contents insurance

Fast, effective and commitment free contents insurance for digital businesses.

Is Your Business Content Covered?

24% of businesses have been a victim of theft in the last 12 months.

If you suffer theft or damage on your premises, or from your co-working space, contents insurance ensures you won’t be left out of pocket.

Covering equipment, office furniture, documents and cash, this cover is vital to keep your business up and running.

Digital Risks' award-winning business contents and equipment cover is designed specifically for today's digital entrepreneurs.

Business Contents Insurance

from £7.90

/month 1


  • Pay by the month
  • Change your cover anytime
  • Access to specialists
  • Copyright breaches

1 Includes insurance premium tax

Benefits of contents and equipment insurance

We've designed world-class cover, and made it super simple to buy.

Protect your gear

Whatever kit you rely on, whether that's a laptop, tables and chairs or more technical machinery, having it lost, stolen or damaged is a serious headache.

With our office contents cover, we'll replace your gear and have you back up and running in no time.

Cover on the move

Always darting between meetings, or jet setting around the world? Then you'll need mobile protection.

Our portable equipment insurance covers everything you take out and about with you, including laptops, mobile phones, cameras and tablets. You can also choose to be covered anywhere in the world.

Co-working? No problem

Many providers won't cover your belongings in a co-working space. Not us!

Our cover is designed for digital businesses, co-working spaces are included at no extra cost. All you need to do is make sure your belongings are locked up when unattended.

Business Contents Insurance Guide

World-class insurance cover for digital businesses - made easy.

What is business contents and equipment insurance?

Even in the digital age, your business needs a physical base. Your office premises are the hub and heart of your operations, home to the equipment, documents and other belongings that are integral to what you do.

Having this property stolen or damaged would be a nightmare come true, leaving you with scary bills to replace expensive everything, and business downtime on top. That’s why business and office contents insurance is so important, as it will protect your business by picking up the bill for stolen or damaged property and equipment, if you’re ever faced with disaster.

With Digital Risks, our ‘all risks’ policy covers you in the case of malicious or accidental damage, as well as the effects of fire, theft and flood. Business contents also includes items that you’re temporarily responsible for, while they’re located on your premises, plus we’re one of the only insurers to cover you in a coworking space.

Who is office contents insurance for?

Contents insurance is one of those essential insurance policies, whatever the size or activities of your business.

From one-man-bands and freelancers, to the small business world and more established operations, all businesses have the kit they rely on, and losing it can make it hard or impossible to do your best work.

So, whether you just need a laptop and smartphone, or rely on more specialist technology, Digital Risks’ business contents cover will make sure it’s quickly replaced in the event of theft, loss or damage.

What are the risks of under-insuring your office?

As a digital business, you might spend most of your working day online, but that doesn’t mean the physical stuff is any less important. From your technical equipment, to the chair you’re sitting on and even the coffee machine in the corner, how would you cope if they were damaged or destroyed?

In a fast-moving world, just a few days downtime can mean lost business, earnings and potential impacts on your reputation. And that’s on top of shelling out to replace everything.

Things you can do to keep your contents and equipment safe

For businesses based in a coworking or shared space, your contents policy is only valid if your belongings are securely locked while unattended.

For laptops and monitors, a Kensington Lock is the best solution when you’re not around. With your other items, make sure you use a locker, or a lockable desk drawer, so they aren’t easy pickings for any passing opportunists.

What to watch out for in an office and equipment policy

When purchasing your policy, be aware that cover limits should be based on the replacement value of your contents, rather than the market value.

And don’t forget to include any leased items in your totals. If your business rents an office, check with your landlord before buying contents cover, as you may find that you’re partially covered through their business insurance.

Award-Winning Insurance

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.

But don't just take our word for it. Leading digital companies, large and small, choose Digital Risks to protect their people and businesses.

Trusted by

   Other insurance providers didn't really understand start-ups. We were looking for a tailored approach to suit our business needs and were recommended to Digital Risks!

CEO & Founder



Excellent 9.4 out of 10

Everything you need to know about business contents insurance

What is business contents insurance

Even in the digital age, your business needs a physical base. Your office premises are the hub and heart of your operations, home to the equipment, documents and other belongings that are integral to what you do.

Having this property stolen or damaged would be a nightmare come true, leaving you with scary bills to replace expensive everything, and business downtime on top. That’s why business and office contents insurance is so important, as it will protect your business by picking up the bill for stolen or damaged property and equipment, if you’re ever faced with disaster.

With Digital Risks, our ‘all risks’ policy covers you in the case of malicious or accidental damage, as well as the effects of fire, theft and flood. Business contents also includes items that you’re temporarily responsible for, while they’re located on your premises, plus we’re one of the only insurers to cover you in a coworking space.

Who is business contents insurance for?

Contents insurance is one of those essential insurance policies, whatever the size or activities of your business. From one-man-bands and freelancers, to the small business world and more established operations, all businesses have the kit they rely on, and losing it can make it hard or impossible to do your best work. So, whether you just need a laptop and smartphone, or rely on more specialist technology, Digital Risks’ business contents cover will make sure it’s quickly replaced in the event of theft, loss or damage.

What are the risks

As a digital business, you might spend most of your working day online, but that doesn’t mean the physical stuff is any less important. From your technical equipment, to the chair you’re sitting on and even the coffee machine in the corner, how would you cope if they were damaged or destroyed? In a fast-moving world, just a few days downtime can mean lost business, earnings and potential impacts on your reputation. And that’s on top of shelling out to replace everything.

Things you can do

For businesses based in a coworking or shared space, your contents policy is only valid if your belongings are securely locked while unattended. For laptops and monitors, a Kensington Lock is the best solution when you’re not around. With your other items, make sure you use a locker, or a lockable desk drawer, so they aren’t easy pickings for any passing opportunists.

Things to watch out for

When purchasing your policy, be aware that cover limits should be based on the replacement value of your contents, rather than the market value. And don’t forget to include any leased items in your totals. If your business rents an office, check with your landlord before buying contents cover, as you may find that you’re partially covered through their business insurance.