Insurance for contractors

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

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Award-winning cover
Only pay for what you need

Flexible business insurance

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.

From £5.13 per month

Pay by the month
Change or cancel any time
Make changes without fees
Instant documents

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Why do I need contractor insurance?

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.

Read What every contractor needs to know about business insurance and Everything you need to know about IT contracting.

Digital Risks make insurance easy!

Hassle-free insurance

Arrange your business insurance in minutes, by getting a quote and buying your policy online. No confusing forms or jargon, just plain English and a fast, seamless experience.

Flexibility and growth

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.

Making a claim

Need to make a claim? With Digital Risks, it's a piece of cake. No outsourcing to third parties or lengthy delays, all claims are handled by our team personally and on a first-name basis.

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

19 Jun 2019
4 minute read

The biggest cybersecurity threats of 2019

As cyber-crime becomes more common-place, all businesses – even small ones – need to be prepared.

11 Jun 2019
4 minute read

Pros and cons of the agile approach

Agile tends to suit smaller, more adaptive businesses with strong core teams and a fluid communication style.

4 Jun 2019
11 minute read

Founder success stories: Moneycado

Digital Risks had a chat with Oli Mitchell, who helps millennials to easily save for their travel and actually enjoy it.

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 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 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