Enterprise insurance solutions

Specialist insurance advice for digital businesses. Offering a made-to-measure approach with emerging risks and innovation in mind.

We're not your typical insurance provider

We’re an award-winning insurance provider who build tailored insurance and risk solutions for digital businesses. Our experienced team of underwriters, brokers, risk managers and claims experts are passionate about emerging technologies, from AI to blockchain, robotics to the Internet of Things.

We understand the complex risks and unique challenges faced by digital businesses, and we have the insurance expertise to design bespoke cover for ideas and innovations that have never been insured before.

Why Digital Risks?

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Expert advice

Having partnered with many of Europe’s fastest growing digital businesses, we know the latest technologies, emerging risks and challenges they face. Our expert team will advise you on how to protect your venture in an increasingly changing and fast-paced environment.

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Bespoke cover

Our unique methodology gives us a detailed picture of the risks you face. This enables us to design insurance solutions around your business and negotiate the best possible terms with underwriters on your behalf.

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Trusted partner

We’re part owned by Beazley, a global insurer which underwrites over $2.5bn of insurance premiums annually and has handled more than 8,500 data breaches worldwide. We’re also a coverholder at Lloyd’s, the world’s leading insurance market for specialist risks.

Areas we specialise in

Medtech and Healthtech

Teleadvice, software, medical devices, wearables, supplements

Fintech and PSD2

E-money, challenger banks, P2P lending, roboadvice, insurtech, digitised mortgage and pension providers, PISP and AISP

Blockchain and crypto

Private permissioned blockchains, distributed ledger technology

Cyber security services

Data breach prevention and detection, fraud detection, ID verification

Large amounts of data

Organisations with up to a billion records of personal information

Worldwide activities

Multinational organisations and worldwide business activities

IoT hardware

Connected home, security devices, toys, unmanned vehicles

AI/ Machine Learning

Companies utilising and selling AI and machine-learning products and services

Our products

Professional indemnity

Covers your liability to customers for professional mistakes, errors or omissions in services you provide.

Cyber security

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

Employers liability

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

Public liability

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.

Contents and equipment

Protects your property against theft, loss or damage.

Management liability

Covers the personal liability of your directors and officers for wrongful acts in managing the business.

What our customers say

We had a breach and the insurance and legal support we got was invaluable. Digital Risks walked us through the whole thing including media and customer relations.

Founder, ID verification software

It was very quick and easy to claim. Our account manager replied within minutes, confirmed the details and we had the money in our account within 48 hours.

COO, HR technology platform

Further reading

23 Jan 2019
4 minute read

Cyber security risk management framework

To effectively protect your business from cyber-attacks and data breaches, you must first identify the biggest threats and vulnerabilities you face.

6 Dec 2018
5 minute read

Fintech startups to watch in 2019

Here’re our top 6 hottest Fintech startups that Digital Risks are tipping to thrive in 2019. We’ve taken a look at Truelayer, Monese, PensionBee, Akoni, Tail and the Craft Gin Club.

24 Sep 2018
4 minute read

Going global - What to think about when expanding abroad

With UK customers happy to shop beyond our shores, it follows that UK businesses must also look further afield to expand their reach and growth potential. And in the digital age it’s easier than ever, with much lower barriers and overheads involved. So, where do you start?

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 security with Standard & Poor's A-rated financial strength or higher. This means the insurer 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