Startup and SME Insurance

Bespoke, flexible business protection

If you're a Startup entrepreneur or SME, you need innovative, flexible insurance to match.

Specialist expertise

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.

Startup Insurance

from £7.90

/month 1


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

1 Includes insurance premium tax

A range of covers to meet your needs

We've designed world-class cover, and made it super simple to buy.

Professional indemnity

If you make a mistake while offering a professional service or advice, we'll pick up the bill, and help protect your reputation.

Employers liability

A legal requirement for all UK employers, our employers' liability policy will cover you for any illness or injury claims from your staff.

Public liability

Sometimes accidents happen, even when you do everything right. So, if you or one of your team causes harm to a member of the public, we've got your back.

Cyber liability

Cyber-attacks are a rising threat for digital businesses. Our cover will get you back on your feet quickly, keeping costs and disruption to a minimum.

Contents & equipment

Covers everything from your gadgets to your potted plants, both in the office and outside it. Based in a co-working space? No problem

Directors & officers

For limited company directors, protecting against allegations that you've personally done something wrong, covering any legal action and fines.

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.

Why do I 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? Employer's 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.

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