Why GDPR Fines Aren’t Insured — and What Is Covered Instead
The short version
If your business suffers a GDPR breach, you might assume your insurance will “pay the fine.” In most cases, it won’t. That’s not insurer…
Tech work is often seen as “safe”: laptops, cloud tools, and remote meetings. But in real businesses, tech workers still interact with people, equipment, buildings, and data-heavy processes. Accidents happen—sometimes through a simple mistake, sometimes through a rushed change, and sometimes because the tech team is asked to “just quickly” help with something outside their normal remit.
This guide looks at common situations where tech workers can accidentally cause injury or property damage, why it happens, and what sensible businesses can do to reduce the risk.
One of the most common real-world risks is basic physical safety.
Trailing cables: Temporary network cables, extension leads, and power strips can create trip hazards—especially in shared offices, coworking spaces, or during events.
Unsecured equipment: A monitor on an unstable stand, a server on a rolling cart, or a laptop perched on a shelf can fall and injure someone.
Pop-up work areas: Tech workers frequently set up “temporary” desks in corridors, meeting rooms, or reception areas while troubleshooting. These spaces aren’t designed for safe cabling and foot traffic.
What can go wrong: A colleague trips, falls, and suffers a sprain or fracture. A visitor trips at reception and claims against the business. A falling monitor causes a head injury.
Many tech roles involve moving or installing equipment: routers, access points, printers, servers, POS terminals, CCTV systems, or AV kit.
Lifting and carrying injuries: Servers, UPS units, and even large monitors can be heavier than they look.
Dropped equipment: A device slips while being mounted or carried, damaging floors, desks, or the equipment itself.
Working at height: Installing Wi‑Fi access points, cameras, or cabling may involve ladders or step stools.
What can go wrong: A tech worker strains their back lifting equipment. A ladder slips and someone falls. A dropped server damages a client’s flooring or a glass desk.
Even when tech workers aren’t electricians, they often interact with power.
Overloaded extension leads: Plugging too many devices into a single strip can cause overheating.
Incorrect power supplies: Using the wrong adapter or voltage can damage equipment and create fire risk.
Poor ventilation: Stacking devices or blocking vents can cause overheating.
What can go wrong: A power strip overheats and scorches a carpet tile. A device fails and causes smoke, triggering a building evacuation. A client’s critical equipment is damaged during “quick” troubleshooting.
Server rooms and comms cupboards can be cramped, noisy, and full of hazards.
Tight spaces: Bumping into racks, sharp edges, or cable trays.
Hot surfaces and airflow: Some equipment runs very hot.
Noise and distraction: Fans and alarms can reduce concentration.
What can go wrong: Cuts and bruises from sharp rack edges. A knocked cable causes an outage. A heavy rack door swings and hits someone.
Tech workers are often asked to help with small tasks that aren’t strictly IT—moving desks to reach sockets, shifting equipment, or “just holding” something.
Moving furniture: Scratched floors, damaged walls, or crushed fingers.
Unplanned changes: Disconnecting the wrong cable, turning off the wrong breaker, or unplugging a device that supports safety systems.
What can go wrong: A client’s workstation is damaged. A fire door is obstructed by equipment during a rushed setup. A safety system is accidentally disconnected.
Not all damage is physical in the moment. Software can control physical processes and influence decisions.
Incorrect configuration: A change to access control, building management, or scheduling systems can create safety issues.
Automation errors: A script that deletes or overwrites data used for compliance, maintenance, or safety checks.
Bad deployments: A release that breaks a workflow in healthcare, logistics, or manufacturing.
What can go wrong: A door access system fails, locking people out (or in). A maintenance schedule is erased, leading to missed inspections. A warehouse picking system misroutes items, causing collisions or manual handling injuries.
Cyber risk isn’t only about data. It can lead to downtime and unsafe working conditions.
Ransomware: Systems go down, staff revert to manual processes, and mistakes increase.
Phishing: A compromised account triggers fraudulent payments, forcing emergency operational changes.
Misconfigured permissions: Sensitive systems become accessible to the wrong people.
What can go wrong: Staff use unsafe workarounds under pressure. Critical services are delayed. A business interruption event causes financial loss and reputational damage.
Tech workers often provide instructions to non-technical colleagues: “restart the router,” “press this button,” “unplug that cable.” Under stress, instructions can be misunderstood.
Ambiguous language: “Turn it off and on again” can mean different devices.
Remote support risks: A colleague follows steps incorrectly and damages equipment.
What can go wrong: A colleague unplugs a device that supports alarms or safety monitoring. A printer or POS system is damaged. A customer-facing outage occurs during trading hours.
Product teams, sales engineers, and IT staff frequently demo equipment at events.
Crowded environments: Trip hazards, spills, and collisions.
Temporary stands: Unstable displays, unsecured tablets, or battery packs.
What can go wrong: A display falls onto a visitor. A battery pack overheats. A spilled drink damages equipment and creates a slip hazard.
Remote and hybrid work changes the risk profile.
Home office ergonomics: Poor chair support, bad screen height, repetitive strain injuries.
Client premises: Tech workers may be unfamiliar with site rules, hazards, or emergency procedures.
What can go wrong: A worker develops a musculoskeletal injury. A tech worker enters a restricted area and triggers an incident. A visitor injury claim arises because the business arranged on-site work without proper checks.
Tech workers may handle client devices, company vehicles (for site visits), or rented equipment.
Client laptops and phones: Dropped devices during troubleshooting.
Rented AV kit: Damage during transport or setup.
Company vehicles: Minor collisions while travelling between sites.
What can go wrong: Replacement costs, disputes over responsibility, and downtime for the client.
A lot of tech accidents come down to human factors.
Late-night changes: Fatigue increases mistakes.
Incident response pressure: Rushed decisions and skipped checks.
Context switching: Jumping between tickets, chats, and calls reduces attention.
What can go wrong: A wrong command is run in production. A safety-critical alert is missed. A physical accident occurs because someone is rushing between rooms.
You don’t need to treat tech workers like a construction crew—but you do need sensible controls.
Use cable covers and tidy routes for temporary cabling.
Keep walkways clear during installs.
Label power strips and avoid overloading.
Use proper steps/ladders and don’t improvise.
Use peer review for high-impact changes.
Maintain rollback plans.
Separate test and production environments.
Document critical dependencies (access control, alarms, building systems).
Train staff on manual handling and ladder safety where relevant.
Encourage tech workers to refuse unsafe tasks (“not trained, not equipped”).
Create a simple checklist for on-site work.
Make it easy to report near misses.
Review incidents without blame.
Track recurring causes (cabling, rushed changes, unclear ownership).
When accidents happen, the question becomes: who is responsible, what’s covered, and how quickly can the business recover?
Depending on the situation, businesses may need to consider:
Public liability (injury or property damage to third parties)
Employers’ liability (employee injury at work)
Professional indemnity (claims arising from professional advice, design, or errors)
Cyber insurance (breach response, extortion, business interruption)
Business interruption (loss of income following an insured event)
Equipment cover (owned or hired-in equipment)
The right mix depends on what your tech team actually does—pure software development is different from on-site installs, and different again from managing safety-critical systems.
Tech workers don’t need to be “unsafe” for accidents to happen. Most incidents are ordinary: a cable across a hallway, a rushed change, a misunderstood instruction, a heavy device lifted without help.
The good news is that a few practical controls—tidy installations, sensible change processes, and clear boundaries—reduce the risk dramatically. And when the worst happens, having the right insurance in place can be the difference between a painful incident and a business-threatening one.
If you’re a UK business that relies on technology (and that’s most businesses), it’s worth reviewing your real-world risk profile—not just your IT stack.
If your business suffers a GDPR breach, you might assume your insurance will “pay the fine.” In most cases, it won’t. That’s not insurer…
Software bugs are inevitable. What isn’t inevitable is the fallout: lost revenue, customer claims, regulatory scrutiny, and reputational damage. When something breaks, the big question quic…
Software runs payroll, processes payments, manages inventory, calculates tax, triggers trades, and controls access to sensitive data. When it goes wrong, the impact can be immediate and …
Tech startup CEOs move fast: they hire quickly, ship products, raise money, sign contracts, and make big promises to customers and investors. That speed is often the advantage. It&rsquo…
Tech work is often seen as “safe”: laptops, cloud tools, and remote meetings. But in real businesses, tech workers still interact with people, equipment, buildings, and data…
Ransomware has become one of the most disruptive cyber threats facing UK businesses. It can lock you out of critical systems, halt trading overnight, and put sensitive customer or employee data at risk. …
A data breach isn’t just an “IT problem” — for UK software companies it can become a full-business crisis that hits revenue, reputation, operations, and leadership time a…
If you run a SaaS platform, you’re not just selling software—you’re taking responsibility for customer data, uptime, and business-critical workflows. A cyber…
Professional Indemnity (PI) Insurance is often described as “cover for mistakes.” For software businesses, that’s broadly true — but it’s also where many misunderstandi…
Software businesses live and die by trust. Clients rely on you to deliver working systems, protect data, hit deadlines, and provide advice they can act on. When something goes wrong, the financial impac…
Penetration testing (pen testing) companies sit in a high-trust, high-risk corner of the cyber security world. You’re hired to probe systems, exploit weaknesses, and prove what …
Cybersecurity providers occupy a critical position in the modern business landscape. They're trusted to protect sensitive client data, systems, and infrastruc…
Cybersecurity firms operate in a uniquely demanding legal landscape. Unlike many other professional service providers, they face heightened scrutiny from regulators, courts, and cl…
In today's digital landscape, cyber threats are evolving faster than ever. Businesses of all sizes face unprecedented risks—from data breaches to ransomware attacks to system …
When startups embark on their funding journey, most founders focus heavily on perfecting their pitch deck, building financial projections, and securing investor meetings. However, one critical el…
Scaling a software startup is exhilarating—new customers, growing revenue, expanding teams, and the promise of market dominance. But rapid growth without proper risk management…
When you're pitching to investors, they're not just evaluating your business model, market opportunity, or team credentials. They're also assessing risk—and one of the most telling sig…
When you're preparing to raise capital, investors scrutinize every aspect of your business—including your risk management strategy. One critical oversight many tech startups make is undere…
The IT consulting landscape has evolved dramatically over the past few years, and with it, the legal and regulatory environment has become increasingly complex. As an IT consultant in 2025, you're navigatin…
The IR35 legislation has fundamentally changed how contractors operate in the UK, creating a complex landscape where understanding your insurance obligations is crucial. For contr…
Freelance IT consultants operate in a unique position within the digital landscape. You're trusted with sensitive client data, access to critical systems, and responsibility for mainta…
As an IT consultant, you navigate a complex landscape of risks every single day. From advising clients on system architecture to implementing critical infrastructure changes, yo…
Software development agencies operate in an increasingly complex digital landscape where client data protection has become a critical business responsibility. As ag…
Fixed-price contracts can be attractive for both service providers and clients. They offer clarity on costs and budgeting certainty, but they also come with significant risks—particu…
Software implementation projects are complex undertakings that can go wrong in countless ways. When a new system fails to deliver promised results, crashes critical business operations, or ca…
Custom software projects are supposed to solve problems. Yet statistics paint a sobering picture: between 50-70% of custom software projects fail to meet their objectives, exceed budgets, or are ab…
Mobile app development has become a cornerstone of modern business strategy. Companies across every sector—from retail to healthcare, finance to entertainment—are investing heavily in mobi…
Software and app development companies operate in a fast-paced, high-risk environment where a single vulnerability, data breach, or contractual dispute can result in s…
App development is a thriving industry, but it comes with significant risks that many developers overlook. Whether you're a freelance developer, part of a small developmen…
In today's digital landscape, software applications are the backbone of countless businesses. From e-commerce platforms to financial management tools, mobile apps to enterprise software, busi…
SaaS (Software-as-a-Service) businesses operate in the cloud by design, making data storage and security central to their operations. Yet many SaaS companies underestimate the uni…
Software-as-a-Service (SaaS) has fundamentally transformed how businesses operate. From project management tools to accounting software, customer relationship management systems to …
The Software-as-a-Service (SaaS) industry has revolutionized how businesses operate, offering scalable, cloud-based solutions that eliminate the need for expensive on-premise i…
Software-as-a-Service (SaaS) companies operate in a fast-paced, high-stakes digital landscape where innovation meets vulnerability. Unlike traditional software businesses, SaaS providers mana…
Software companies face unique risks in today's digital landscape. From data breaches to professional liability claims, the right insurance protection is essential. But how much should you expect …
The remote software development landscape has transformed dramatically over the past five years. What was once considered a niche working arrangement is no…
In today's competitive software landscape, landing enterprise clients isn't just about having the best product or the most competitive pricing. Large organizations have evolved thei…
When you're running a software company, contracts are everywhere. You're signing them with clients, vendors, partners, and employees. But buried within those dense pages of legal jargon a…
The UK software industry is booming. From fintech startups to established enterprise software providers, British tech companies are innovating at pace and competing on the global stage. Yet b…
The UK software industry is thriving, with businesses ranging from solo developers to multinational corporations creating innovative solutions that power modern commerce, healthcare, educa…
When you're launching a software startup, insurance probably isn't top of your priority list. You're focused on product development, securing funding, and building your user base. But overlooking insuranc…