Tech insurance

Running a technology business comes with risks. Without insurance, you're likely to face some hefty bills, not to mention damage to your reputation.

What is tech insurance?

Software and app development are among the most innovative and fast-growing industries out there. Combining creativity and technical skills, your services are highly valued, and clients put their trust in you to deliver high quality work, on time. But running a tech business also comes with risks. What if a project doesn't go as planned, you suffer a data breach, or your equipment gets stolen? Without insurance, you're likely to face some hefty bills, not to mention damage to your reputation.

Pay for what you need. Better cover, better prices.

IT companies are taking the risks seriously and are are among the fastest growing purchasers of professional indemnity insurance.

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.

From £7.90 per month

Pay by the month
Change or cancel any time
Access to specialists
Copyright breaches

Why do I need insurance

Cyber and data threats

Protecting customer and user data is non-negotiable, with cyber-attacks on the rise and the GDPR now in force. Even with the latest security solutions in place, sometimes a breach is unavoidable, which is why cyber liability cover is so important. Covering any legal fees, fines and financial losses, our cover also includes a first response package, minimising reputational damage and business downtime.

Contract disputes

Software development can be an unpredictable business. Mistakes can happen, projects can go awry and you can face client and contract disagreements, often through no fault of your own. Professional indemnity insurance is designed for just those eventualities, covering any legal costs, fines and compensation payments.

IP infringement

A great idea is worth protecting, whether it's your own copyright and trademarks, or somebody else's. Our professional indemnity cover will protect you if you accidentally infringe on the IP of another business, covering legal and compensation costs. Plus, we'll pay up to £25,000 to defend your own IP from infringement by others.

Tools of the trade

A theft, fire or flood, could mean losing some or all of your valuable equipment and belongings, with disastrous repercussions for your business. With our office contents and portable equipment cover, we'll make sure your gear is replaced and you're back up and running in no time. And unlike with many providers, being based in a co-working space is no problem.

Read the 5 biggest risks facing app and software developers.

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

23 May 2019
3 minute read

Why is cybersecurity important?

To prevent your business from being a victim of third-party cyber attacks, there is a number of things you can do. Don't follow the wrong example - get your business covered.

20 May 2019
4 minute read

Small business workshops and training providers

While there’s a lot to be said for learning on the job, it certainly helps to have expert advice to fall back on, when starting a small business.

15 May 2019
7 minute read

25 cybersecurity resources you need to see

Here are 25 of the best cybersecurity resources out there to stay up to date with the rapidly growing area.

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

Tech Nation

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 or by calling the FCA on 0845 606 1234.

A-rated financial strength

Our insurance products are underwritten by security with Standard & Poor's A-rated financial strength or higher. This means the insurer 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