Self-Employed Insurance

Cover from £5.35 per month.

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

Insurance Cover for Self-Employed Professionals

Better cover. Best prices.

Being self-employed 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 the right self-employment insurance is essential.

Digital Risks help you build bespoke cover from a range of insurance options into a single business insurance policy via a monthly subscription that you can change any time at no cost.

Whether you work on your own or employ people, it’s quick, high quality cover, without the hassle.

We offer everything from public liability insurance to employers’ liability insurance, professional indemnity to cyber risk and business contents cover.

Public Liability Insurance

from £5.35

/month 1


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

1 Includes insurance premium tax

What our customers say

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.

A range of covers to meet your needs

We've designed world-class insurance for the self-employed 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, advice or work 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 (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 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 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 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 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.

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