Small business insurance

Digital Risks offers fast, effective and commitment-free insurance for startups, small businesses and high-growth ventures.

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Award-winning cover
Only pay for what you need

Small business insurance

Any entrepreneur will tell you that starting a business is risky. Nothing will go quite as you expect, you'll chuck your business plan out the window after the first week, and there'll always be a surprise waiting around the corner. And that's all part of the fun!

But, while many of the challenges and threats to your business are out of your control, there are some that you can do something about - by investing in the right insurance.

Business insurance is vital for any business, giving you the peace of mind that you'll be protected, whatever the world throws at you.

Clients and investors are also likely to request you have certain business policies, plus employers liability is required by law.

From £5.13 per month

Pay by the month
Change your cover anytime
Make changes without fees
Instant documents

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A range of covers to meet your needs

Professional indemnity

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

Employers liability

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

Cyber security

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

Contents and equipment

Protects your property against theft, loss or damage.

Public liability

Covers your liability to members of the public for bodily injury or damage to their property.

Management liability

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

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

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