Startup insurance

Digital Risks offers fast, effective and commitment free insurance for start-ups that can be arranged in minutes and changed anytime.

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Award-winning cover
Only pay for what you need

Flexible business insurance for startups and growing businesses

If you're a growing business, you need insurance from a team that gets you.

Launching and growing a new venture is seriously exciting stuff. And, if you're anything like most entrepreneurs – working through the night is the norm right now. Only one in ten start-ups and small businesses risk trading without any insurance.

With all the challenges ahead, the last thing you need is an unforeseen disaster sending you off course. We understand the risks start-ups face and have tailored our insurance products to match.

From £7.90 per month

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

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Why do I need startup insurance?

Investment

Potential investors will appreciate you having insurance and will consider you a safer bet. You'll always have to take risks, that's what makes you an entrepreneur and startup founder. But having an eye for the key risks of your startup is equally important for investors.

Building your dream team

Time for your first employee? Employers liability insurance is essential for start-ups looking to grow, it covers the cost for claims from employees who may have become ill or injured as a result of working for you. Not to mention it's legally required.

First big client

Close to sealing the deal with a potential high-profile client? It's not uncommon for clients to ask about professional indemnity insurance (PI) that covers the service or advice you're supplying. On the flip-side – you should make sure the suppliers you deal with also have PI.

New office and equipment

Could you imagine losing your laptop? Or worse, your phone. Let's not think about it. Our office contents and portable equipment cover can help protect your gear. So you can work more and worry less.

Read Insurance 101 for start-ups.

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'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.

We insure thousands of innovative businesses
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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