Insurance for contractors

Cover from £7.90 per month.

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

Life as a contractor 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, contracting offers a lot of benefits. But being your own boss also exposes you to risks you wouldn't face as a traditional employee.

Read: everything you need to know about IT contracting

Why do I need contractor insurance?

We've designed world-class cover for contractors, and made it super simple to buy.

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!)

Moments of clumsiness

Public liability protects 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.

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 insurance 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.

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 is a big set-back. With our office contents 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.

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.

But don't just take our word for it. Leading digital companies, large and small, choose Digital Risks to protect their people and businesses.

Trusted by

   Other insurance providers didn't really understand start-ups. We were looking for a tailored approach to suit our business needs and were recommended to Digital Risks!

CEO & Founder



Excellent 9.4 out of 10

Pay for what you need

Better cover. Best prices.

Our monthly subscription model gives you ultimate flexibility, with the option to cancel or change your cover at any time. No more annual contracts, it's insurance that grows with your business.

Insurance for contractors

from £7.90

/month 1


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

1 Includes insurance premium tax