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IT & Technology Consultants Insurance
IT and technology consultants face unique risks relating to advice, system failures, and data security. IT insurance helps protect your business against claims arising from professional services and cyber-related incidents.
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Who We Insure?
Whether you operate a single store or multiple locations, retail insurance can be tailored to your needs.
IT consultants and contractors
Software developers and SaaS providers
Managed service providers (MSPs)
Web and app developers
Cyber security consultants
Common IT & Tech Businesses
IT & Tech Businesses are exposed to a number of everyday risks. Even small incidents can result in significant costs.
Here are the top risks we help you manage.
Claims of professional negligence
System or software failure
Data breaches and cyber attacks
Contractual disputes
Business interruption
What insurance do you need?
Tailor your policy to include exactly what you need, without paying for what you don't.
Professional Indemnity / IT Liability
Protects against claims arising from professional advice, errors, omissions, or technology failures.
Covers legal defence and compensation
Suitable for consultants, professionals, and IT providers
Includes client financial loss claims
Cyber Insurance
Protects your business from financial losses caused by cyber attacks and data breaches.
Covers ransomware and cyber extortion
Covers data breach response costs
Includes business interruption and liability
Public Liability
Covers legal costs and compensation if a third party is injured or their property is damaged.
Slips and falls
Property damage
Essential
Management Liability
Protects directors and businesses against claims arising from management and employment issues.
Covers directors and officers liability
Includes employment practices claims
Covers legal defence and regulatory exposure
Our Process
How We
Help You
Understanding your technology services
Reviewing contractual insurance requirements
Ensuring correct disclosure of services
Explain policy wording and exclusions in plain English
Assist with claims if an incident occurs
Comparing specialist IT insurers
Protect your business today
Get a tailored quote for your business in less than 5 minutes.
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Frequently Asked Questions
Do IT consultants really need insurance?
Yes. IT consultants face risks such as data breaches, professional negligence, and contractual disputes, even when working remotely.
What is professional indemnity insurance for IT consultants?
It covers claims arising from errors, omissions, or advice that cause financial loss to a client.
Is cyber insurance necessary if I already have professional indemnity?
Professional indemnity and cyber insurance cover different risks. Cyber insurance focuses on data breaches, ransomware, and response costs.
Do independent contractors need their own insurance?
Yes. Most clients require contractors to hold their own professional indemnity and public liability insurance.
Does insurance cover coding errors or system failures?
Professional indemnity may respond if a coding error causes client loss, subject to policy terms.
What limit of professional indemnity do IT consultants need?
Common limits range from $1M to $5M, depending on contracts and client requirements.
Are overseas clients covered?
Often yes, but you must disclose international exposure and check territorial limits.
Does insurance cover breach of contract claims?
Some policies provide limited cover, but pure contractual liability may be excluded.
Can startups and freelancers get cover?
Yes. Many insurers offer policies tailored for small IT businesses and freelancers.
What happens if I stop trading — am I still covered?
Claims-made policies require run-off cover to protect you against claims made after you cease trading.