Startup and SME business insurance

If you're a Startup entrepreneur or SME, you need innovative, flexible insurance to match. Working in partnership with smallbusiness.co.uk

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Award-winning cover
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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
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.

Why do small businesses need insurance?

Investment

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

Small Business Guides

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

21 Jun 2019
2 minute read

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.

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.

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