As an IT consultant you’ll be used to your clients relying on you for sound solutions. Trust is everything in your industry, which is why it’s vital you’re protected should anything go wrong. Although we all do our best to carry out our work error-free, accidents and mistakes do happen, leaving all businesses vulnerable to claims of negligence. That’s why it’s important to ensure that both you and your equipment, as well as your clients and theirs, are covered. Choose from the products below to create a tailored insurance policy that will let you work with ultimate peace of mind.
Professional indemnity insurance for IT consultants and suppliers
You may feel confident in your work, but any business providing a professional service is vulnerable to claims of negligence. Professional indemnity insurance protects your business against the cost of settling or defending a client’s claim that there is a problem with your work.
Our comprehensive policy includes cover for:
- breach of contract – such as failing to deliver specified software features or the late delivery of a project
- infringement of intellectual property rights – for example infringement of copyright or trademark, cyber-squatting violations or any act of passing-off.
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As an IT consultant you might wonder whether you need public liability insurance. It’s designed to cover the cost of settling or defending a claim from a member of the public where they have suffered bodily injury or property damage as a result of your business. It’s worth bearing in mind that this includes claims from clients, such as if you were to damage a piece of equipment whilst working on a project at a client’s office.
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Our office contents policy protects home or office-based small businesses against the cost of replacing or repairing your business equipment if it is accidentally damaged, lost or stolen. You can also add a range of specialist covers to your policy such as:
- portable equipment – cover for equipment outside of the office, such as laptops and phones
- business interruption – cover for the financial losses that result from being unable to trade due to an unexpected interruption
- equipment breakdown – cover for the sudden electrical or mechanical breakdown of your office equipment.
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Cyber and data risks insurance
Our cyber and data risks insurance is designed to support and protect businesses if they experience a data breach or are the subject of an attack by a malicious hacker that affects their computer systems. It provides comprehensive cover, simplicity, reputation protection and a trusted partner in the event of a claim.
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Personal accident insurance
What would happen to your business if you, or a key employee, are unable to work due to an accidental bodily injury? Hiscox personal accident insurance can help protect against the financial impact of this by providing your business with a lump sum or weekly amount.
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