Errors and omissions insurance

Digital Risks offers fast, effective and commitment free insurance for digital businesses.

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Award-winning cover
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Who needs errors and omissions insurance?

Businesses that provide advice, consultancy, or offer a professional service should consider Errors and omissions (E&O). If you handle data or intellectual property belonging to your clients, it's often a contractual requirement. It is also known as professional indemnity insurance.

Benefits of errors and omissions insurance

Cover against mistakes

We all make mistakes from time to time - that's just life. But when you or your employees give bad advice or make a mistake it can end up costing your client, and you, big time! Professional Indemnity (PI) will cover you for the costs arising from negligence claims made against you.

Protect your reputation

For most of us, reputation is a key element of ongoing success. Our cover provides public relationship and crisis management, to help protect your brand and reputation when things go wrong. Errors and omissions insurance is also known as professional indemnity insurance. Find out more about here.

Intellectual property infringement

With today's rate of content creation, your chances of accidentally breaching copyright and intellectual property (IP) are increasing. With our cover, you're not only covered for your mistakes, but we'll pay up to £25,000 in legal costs defending your business from others.

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.

Other covers to consider

Employers liability insurance

Covers your liability to employees for bodily injury or work-related sickness.

Cyber insurance

Covers your liability for failing to protect data, as well as penalties for not complying with data protection law.

Contents and equipment insurance

Protects your property against theft, loss or damage.

Management liability

Covers you for negligence in media content and advertising, including website, blogs and social media.

Public liability insurance

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.

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Further reading
6 Dec 2019
1 minute read

The 12 risks of Xmas: on the fifth day of Xmas...

With office parties in full swing, the festive season is a peak time for property damage. Whether dancing on the tables, or trying to perform gymnastic feats around the pot plants, at Christmas, no computer, table or chair is truly safe.

5 Dec 2019
1 minute read

The 12 risks of Xmas: on the fourth day of Xmas...

Christmas is one of the busiest trading periods for many companies, particularly online retailers. But it is also a notorious time for IT failure, when people take their eye off the ball.

4 Dec 2019
1 minute read

The 12 risks of Xmas: on the third day of Xmas...

Rumour has it that businesses slow down around Christmas, but this is rarely the case. At this time of year, it’s easy for staff to let work slip or miss SLAs, earning the wrath of clients.

We insure thousands of innovative businesses
Habit
Patch
Paddle
Ravelin
SafeToNet
GetAgent
Tech Nation
AppyParking
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
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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