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Why do IT training companies need business insurance?
Your clients trust you to train them on crucial skills and even one mistake could result in a costly lawsuit. Protect your IT training business by getting insurance policies that cover common liabilities, including legal expenses, medical bills, and repair costs for property damage.
Find the right coverage
Insureon helps IT training professionals find insurance coverage that matches their unique risks.
Get free expert advice and peace of mind knowing you have the right property and liability coverage for your IT training company.
What types of insurance do IT training professionals need?
State laws and/or clients may require you to obtain insurance coverage in order to obtain contracts. These policies provide coverage for the most common risks that IT training companies and consultants face.
Technology errors and omissions insurance
Technology E&O, also called professional liability insurance, is crucial for IT training services. It covers lawsuits related to work performance, such as customer dissatisfaction with training programs or errors in training methods.
BEST FOR
- Failure to deliver promised services
- Accusations of negligence
- Work errors and oversights
Cyber insurance
A cyber insurance policy helps IT training companies 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 IT training consultants face, 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 IT training startup 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
Most states require workers' comp for IT training businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits from workplace injuries
Commercial auto insurance
This policy covers the cost of an accident involving a vehicle owned by your IT training company. Most states require this coverage for business-owned vehicles.
BEST FOR
- Car accidents
- Vandalism and theft
- Weather damage
Looking for different coverage? See more policies.
How much does IT trainer business insurance cost?
An IT training company with only a few employees will pay less for insurance than a larger business.
Factors that affect premiums include:
- IT training services offered
- Business property and equipment
- Business revenue
- Types of insurance policies purchased
- Policy limits and deductibles
- Claims history
How do I get IT trainer business insurance?
It's easy to get IT training 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 agents work with top-rated U.S. insurers to find insurance for your IT training company, whether you work independently or hire employees.
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Common questions about IT training professional insurance
What other types of insurance coverage do IT trainers need?
Getting the right insurance is a crucial part of any business’ risk management plan. Depending on the specifics of your IT training company, you may want to consider additional policies, such as:
- Business owner's policy (BOP): Combines general liability coverage with commercial property insurance at a discount. It protects against common lawsuits and business property damage.
- Business interruption insurance: Covers day-to-day operating expenses and lost profits in the event of a temporary closure due to a natural disaster or other covered property claim. It's often included with a BOP or property insurance.
If you hold training sessions at an office or another location, you may be required to add the office or that specific site as an additional insured. That way, if there is any kind of incident at the location of your training, it is also insured under your policy.
How can I save money on IT training insurance policies?
The insurance industry has a wide range of pricing for the same policies, which is why it's important to shop around. You can start by comparing free business insurance quotes with Insureon.
Our licensed insurance agents can help make sure you get the right, most affordable coverage for your IT training business. Most small businesses can get insured and download a certificate of insurance within hours of applying for quotes.