Contractors and Freelancers Insurance

Insurance for contractors is vital, ensuring that if anything goes wrong, you won't be saddled with a crippling bill.

Get a quote
Get a quote in minutes
Award-winning cover
Only pay for what you need

Insurance cover for freelance professionals and contractors

Contractor and freelancer life has its ups and downs. Our specialist insurance means that if a project goes pear-shaped, you won't be saddled with the bill. With the freedom to choose your jobs, hours and location, freelancing and contracting offers a lot of benefits.

But being your own boss also exposes you to risks you wouldn't face as a traditional employee.

From £5.13 per month

Pay by the month
Change or cancel any time
Make changes without fees
Instant documents

Get a quote

Why do I need contractor and freelancer insurance?

Nasty surprises

Clients pay for your knowledge and expertise, but what if you make a mistake? If your advice doesn't work out as expected, you could face a lawsuit, with legal costs and compensation to pay. If that happens, professional indemnity cover (PI) will ensure you're protected. Plus, clients may insist you have it – so it could help you win assignments (or not lose them!)

Cyber and data threats

If you work remotely and handle a lot of client data then you could be at risk of a cyber-attack or data breach.

Cyber security insurance for freelancers will protect you for a breach of data protection laws (where insurable by law) and your liability for handling data, as well as cover for extortion, system rectification costs, plus PR expenses and financial loss due to system downtime.

Moments of clumsiness

Our public liability insurance for freelancers will protect you if you cause injury or property damage to a third party, either at your home office, co-working space, at a client's office, or when out and about. It's also worth bearing in mind that some of your clients, or even suppliers, might ask you to have PL, so make sure your minimum cover limit meets their requirements as well as your own.

Tools of the trade

Whatever kit you rely on, whether that's a laptop, filming equipment or more technical machinery, having it lost, stolen or damaged will leave you high and dry. With our freelance contents insurance and portable equipment cover, we'll replace your gear and have you back up and running in no time. And unlike with many providers, being based in a co-working space is no problem.

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
Further reading
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."

9 Oct 2019
4 minute read

Top 7 most comprehensive tools for mental wellbeing

As mental health has been a topic on the rise in the last few years, so have been the alternative methods of support. We had a chat about what we use at Digital Risks and collected some of our favourite tools.

8 Oct 2019
5 minute read

Top 10 European tech and startup events this year

We’ve put together a roundup of the top 10 events in the industry that are happening in the remaining months of the year.

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.

We insure thousands of innovative businesses
Habit
Patch
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 £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