Business insurance for IT consultants and IT contractors

Your customers rely on you to solve their business challenges with your technical expertise. But despite your best efforts, IT systems can be uncooperative and sometimes, mistakes are made. As an IT consultant, insurance is important to cover you for the things you can’t see coming, whether that’s an injury or a breakage at work, a dissatisfied client or an accidental leak of sensitive data.

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Insuring your IT consultancy business

Nowadays many businesses are completely reliant on their IT systems, and you put a lot of hard work, organisation and planning into making sure they work properly. But sometimes things break, people make mistakes and disagreements come up. Putting business insurance in place can help provide cover for when things don’t go to plan. Hiscox can tailor your insurance package to the specific needs of your business.

Why you need business insurance as an IT professional

Unhappy clients

Sometimes clients just aren’t happy, it may be down to a genuine mistake on your part, or they may change their mind after work is already underway. Either way, if you need to make major revisions it could add time and cost, for both you and them. Whether you’re at fault or not, if a client brings a claim against you, IT contractor insurance will defend and protect you.

A serious system failure

When IT systems go down, you’re the first point of contact – sadly, you may well be the easiest person to blame too. Whether an outage is caused by your business or not, a client may make a claim against you to recoup their losses. If they do, you’ll need to be able to keep your business running while you defend yourself.

A major data breach

Keeping data safe is important, but a client’s systems could be compromised by hackers stealing sensitive information, or a backup system might fail, corrupting or damaging it. Then there are the repercussions of accidentally sharing confidential data. As an IT professional, insurance needs to cover the costs of recovering data, performing repairs and defending against claims for costs or compensation.

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If you’re not sure what you need, tell us a little more about your IT consultancy business. We’ll help you to build your quote and explore any other insurance needs.

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Key types of insurance for the IT consultancy industry

Professional indemnity insurance

Professional indemnity cover helps your business to defend itself against legal action. It helps with claims for compensation if you make a mistake, or if a client believes you’ve made a mistake, and they’ve lost time and money as a result. You can’t watch everyone all the time, but if a client’s reputation is damaged they may well take it up with you. If they do, we’ll be there to cover you.

Learn more about professional indemnity insurance


Personal accident insurance

If you’re injured at work, whether you’re in your own office or out on a site visit, it could mean lost earnings and missed deadlines. Whether you’re out of action for a fortnight or longer, you need to have plans in place to make sure the business can keep ticking over while you’re away. Personal accident insurance helps with covering your expenses so you can concentrate on getting better.

Learn more about personal accident insurance

Public liability insurance

While you’re busy fixing things for your clients you may not have given much thought to their personal safety. But it’s important to be covered in case a member of the public claims that you, or one of your employees, has contributed to their personal injury or damaged property. Public liability insurance means you’re covered for the legal costs of either, as well as any settlement you may have to make.

Learn more about public liability insurance


Cyber and data insurance

As an IT consultant you’re well aware of the seriousness of cyber crime, but it’s a sophisticated and evolving threat. Cyber and data insurance is there to help you and your clients to deal with cyber security incidents, data loss and the hassle of recovering information. It covers the costs of bringing your systems back online quickly, correcting and repairing any damage, and puts you directly in touch with our team of experts.

Learn more about cyber and data insurance

I have been relying on Hiscox for some years, and as always they have delivered. Quick, easy, each step well explained, and I know I have good coverage. They are awesome!
Tech Marionette Limited
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These are just some of the types of business insurance for IT consultants that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.

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