Specialist expertise and bespoke cover for your business
If you're a Startup or growing business, you need insurance from a team that gets you!
Launching and growing a business is seriously exciting stuff. And, if you're anything like most entrepreneurs – working through the night is the norm right now.
With all the challenges ahead, the last thing you need is an unforeseen disaster sending you off course.
We understand the risks you face and have tailored our insurance products and services to match.
From £5.13 per month
Pay by the month
Change your cover anytime
Make changes without fees
A range of covers to meet your needs
Covers your liability to customers for professional mistakes, errors or omissions in services you provide.
Covers your liability to employees for bodily injury or work-related sickness.
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.
Covers your liability to members of the public for bodily injury or damage to their property.
Covers the personal liability of your directors and officers for wrongful acts in managing the business.
Why do small businesses need insurance?
Potential investors will appreciate you having insurance and will consider you a safer bet. You'll always have to take risks, that's what makes you an entrepreneur. But having an eye for the key risks of your start-up is equally important for investors.
Building your dream team
Time for your first employee? Employers liability Insurance is essential for start-ups looking to grow, it covers the cost for claims from employees who may have become ill or injured as a result of working for you. Not to mention it's legally required.
First big client
Close to sealing the deal with a potential high-profile client? It's not uncommon for clients to ask about professional indemnity insurance (PI) that covers the service or advice you're supplying. On the flip-side – you should make sure the suppliers you deal with also have PI.
New office and equipment
Could you imagine losing your laptop?!? Or worse, your phone! Let's not think about it. Our office contents and portable equipment Insurance can help protect your gear. So you can work more and worry less.
Small Business Insurance FAQs
- How much cover do I need?
- Can I change my cover or add policies?
- What to do if I have multiple business activities?
- How do I know what my policy covers?
- How do I cancel my policy?
- How long is a quote valid for?
- Is business insurance tax deductible?
- What do I do if my business type isn't on the list?
- Will I be covered straight away?
Small Business Guides
Digital Risks make insurance easy!
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.
Top 5 benefits of data privacy for startups
Startups are not immune to the threat of data breaches and have a responsibility to protect their customers’ data. That’s why startups need to intensify their efforts to gain their trust.
The biggest cybersecurity threats of 2019
As cyber-crime becomes more common-place, all businesses – even small ones – need to be prepared.
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.
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