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
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.
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.
Covers the personal liability of your directors and officers for wrongful acts in managing the business.
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.
The 12 risks of Xmas: on the fifth day of Xmas...
With office parties in full swing, the festive season is a peak time for property damage. Whether dancing on the tables, or trying to perform gymnastic feats around the pot plants, at Christmas, no computer, table or chair is truly safe.
The 12 risks of Xmas: on the fourth day of Xmas...
Christmas is one of the busiest trading periods for many companies, particularly online retailers. But it is also a notorious time for IT failure, when people take their eye off the ball.
The 12 risks of Xmas: on the third day of Xmas...
Rumour has it that businesses slow down around Christmas, but this is rarely the case. At this time of year, it’s easy for staff to let work slip or miss SLAs, earning the wrath of clients.
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.
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