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
Why do I need startup insurance?
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.
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.
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.
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.
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.
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.
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