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Why do IT consultants need insurance?
A claim that your advice caused a financial loss could devastate a small technology consulting company. IT consulting insurance covers legal fees from dissatisfied clients. It can also cover injuries, theft, and other risks.
Find the right coverage
Insureon helps IT consultants find insurance coverage that matches your unique risks.
Get free expert advice and peace of mind knowing you have the right property and liability coverage for your consulting firm.
Which business insurance policies does an IT consultant need?
These policies provide coverage for the most common IT consulting risks.
Technology errors and omissions insurance
Technology E&O, also called professional liability insurance, is crucial for IT consulting and other professional services. It covers lawsuits related to work performance, such as claims that your advice caused financial harm.
BEST FOR
- Failure to deliver promised services
- Accusations of negligence
- Work errors and oversights
Cyber insurance
A cyber liability insurance policy helps technology consulting businesses survive data breaches and cyberattacks by helping to pay for recovery expenses and associated costs.
BEST FOR
- Data breach legal costs
- Client notification expenses
- Fraud monitoring costs
General liability insurance
This policy covers risks every IT consultant faces, such as accidental damage to a client's laptop. Bundle it with property insurance for savings in a business owner’s policy (BOP).
BEST FOR
- Client bodily injuries
- Damaged client property
- Slander and other personal injuries
Fidelity bonds
This bond, also called an employee dishonesty bond, compensates clients if an employee at your consulting firm steals from them. It's often required for client contracts.
BEST FOR
- Employee theft or fraud
- Unlawful data access by an employee
- Illegal fund transfer by an employee
Workers’ compensation insurance
Small business owners buy this policy to meet state insurance requirements for employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Commercial auto insurance
Commercial auto insurance can pay for property damage and medical bills in an accident involving a company vehicle. Most states require it for business-owned vehicles.
BEST FOR
- Car accidents
- Vehicle theft and vandalism
- Weather damage
Looking for different coverage? See more policies.
How much does IT consultant insurance cost?
An IT consultant who works independently will pay less for insurance than a larger consulting firm.
Factors that affect premiums include:
- IT services offered
- Business property and equipment
- Types of insurance purchased
- Policy limits and deductibles
- Claims history
How E&O insurance protects your business
View video transcript.
No, no, no! My client's network was working just fine last week!
You made a mistake, yeah, you made a mistake. You made a mistake, and it doesn't matter what you say. You missed the boat, now you will have to pay!
Actually, you have errors and omissions insurance. It covers legal costs if you make a mistake and your client sues you.
Mistake! Mistake! Ohhh, this was a mistake! Mistake! Mistake! Ohhh, this was a mistake!
You can get all the coverage your business needs by following this link. Protection is peace of mind!
How do I get IT consultant insurance?
It's easy for IT consultants and cybersecurity consultants to get business insurance if you have your company information on hand. Our insurance application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find coverage that fits your IT consulting firm, whether you work independently or hire employees.
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