Business insurance for freelancers

Get covered for less. Digital Risks has partnered up with The Work Crowd to provide their freelancers with 10% off business insurance.

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Award-winning cover
Only pay for what you need

Get 10% off your business insurance and only pay for what you need

Any freelancer will tell you that business can be unpredictable. Nothing may go as you expect, and there will always be a surprise waiting around the corner. And that's all part of the fun!

But whilst many of the challenges of freelancing may be out of your control, there are some that you can do something about - by investing in the right 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 £5.13 per month

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

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Terms & Conditions

The 10% discount is available to any The Work Crowd freelancers taking out a new business policy with Digital Risks; it will not be granted in conjunction with any other offer, voucher or discount; and applies for 1-year only from the inception date of the initial policy.

A range of covers to meet your needs

Professional indemnity insurance

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

Cyber insurance

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

Employers liability insurance

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

Public liability insurance

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

Commercial legal protection

Covers compensation awards, professional fees and legal costs associated with a range of legal disputes.

Contents and equipment insurance

Protects your property against theft, loss or damage.

Management liability

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

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Do I need business 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.

Further reading
20 Jan 2020
3 minute read

Finding the right cover that aligns with startup mentality

We had a chat with Oliver Mitchell, Moneycado founder, about why he chose Digital Risks and what makes us different from other insurance providers.

13 Jan 2020
4 minute read

Year in review 2019: the Digital Risks milestones

As we look forward to a string of updates in 2020 - including new features and products - we wanted to celebrate our journey and achievements so far.

30 Dec 2019
3 minute read

Top 5 startups to watch in 2020

We have collected our favourite startups that have impressed us throughout 2019 and, undoubtedly, will continue to do so in the year ahead.

We insure thousands of innovative businesses
Habit
Patch
Paddle
Ravelin
SafeToNet
GetAgent
Tech Nation
AppyParking
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
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