Insurance for freelancers

Cover from £7.90 per month.

Our specialist insurance for freelancers means that if a project goes pear-shaped, you won't be saddled with an unexpected bill - or unnecessary stress.

Freelancing is about freedom, flexibility and being your own boss. But it's not without its risks. Saying goodbye to the 9 to 5 means losing the safety net provided by your employer, so investing in freelance insurance is essential.

Our specialist insurance for freelancers means that if a project goes pear-shaped, you won't be saddled with an unexpected bill - or unnecessary stress. Plus, with our pay-monthly subscription, our policies are super flexible – so you'll never feel tied down.

A range of covers to meet your needs

We've designed world-class insurance for freelancers and made it super simple to buy.

Nasty surprises

Your knowledge and expertise are highly sought after, but what if you make a mistake? If your service or advice doesn't work out as expected, you could face a lawsuit, with legal costs and compensation to pay. If that happens, our professional indemnity cover for freelancers (PI) will ensure you're protected. Plus, clients may insist you have it – so it could help you win projects (or not lose them!)

Moments of clumsiness

Our public liability insurance for freelancers will protect 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

Cyber-attacks and data breaches are increasingly common, and it's not just big businesses that are under threat. If your freelance work involves handling a lot of client data – whether on your own systems or in the cloud - then you could be at risk. Our cyber security insurance for freelancers 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 will leave you high and dry. With our freelance contents insurance 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.

Do freelancers need business insurance?

Whatever activities you're involved in, the right freelance insurance is invaluable, giving you the peace of mind that you'll be covered whatever happens. Not only will a freelance policy protect you from a whole raft of business risks, but clients are also likely to request you have certain insurance covers, such as public liability and professional indemnity.

   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 freelancers

from £7.90

/month 1


  • Pay by the month
  • Change your cover anytime
  • Access to specalists
  • Copyright beaches

1 Includes insurance premium tax