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CYBER INSURANCE FOR CONTRACTORS & CONSULTANTS
Protecting Contractors from Cyber Risks
Whether you work as an IT contractor, management consultant, software specialist, engineer, financial consultant or any service-based contractor, cyber risks are now one of the leading causes of business disruption and liability claims.
Cyber Insurance protects you from the financial and legal fallout of data breaches, ransomware, hacking, business interruption and third-party liability claims — even if the incident occurs through a client system you access.
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What Does Cyber Insurance Cover?
Key protection for contractors, consultants, freelancers & outside-IR35 workers.
- Ransomware & cyber extortion
- Data breach & GDPR incident response
- Forensic IT investigation
- Restoration and recovery of data
- Business interruption losses
- Third-party liability if your work causes a cyber breach
- Regulatory fines (where legally insurable)
- PR & reputation management
- Legal defence costs
Cyber Risks Contractors Commonly Face
Cyber threats affecting contractors across all industries.
- Client data breaches involving your laptop or email
- Hacking via remote access tools used on client systems
- Phishing attacks compromising client files
- Ransomware attacks encrypting your project work
- Loss of billable time due to cyber disruption
- Claims alleging your work caused a cyber incident
- Reputational damage following a cyber event
Why Contractors Choose Insure24
- Specialist cyber insurers with rapid response support
- Cover suitable for IR35, outside IR35 & consultancy models
- Flexible limits to meet client contract requirements
- Fast documentation for onboarding & procurement
- Competitive pricing for individual contractors
- Cyber cover available as standalone or combined with PI
How to Arrange Cyber Insurance for Contractors
- 1. Tell us your industry and contract type
- 2. Share details of the systems you access
- 3. Confirm turnover, data stored and cyber controls
- 4. We source quotes from specialist cyber insurers
- 5. Choose the limit that meets contract requirements
- 6. Documents issued immediately
FREQUENTLY ASKED QUESTIONS
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Do contractors need Cyber Insurance?
Yes. Many client contracts now require contractors to hold Cyber Insurance due to increasing
data breach and ransomware risks.
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Is Cyber Insurance required for outside IR35 contracts?
Yes. Many outside IR35 clients expect contractors to hold Cyber cover, especially in IT,
finance, engineering and consultancy roles.
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Does this cover work performed on client systems?
Yes. Cyber Liability can extend to claims alleging your work contributed to a cyber breach
on a client system.
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Can Cyber Insurance be combined with Professional Indemnity?
Yes, many contractors choose combined PI + Cyber packages for better value and compliance.
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How quickly can cyber cover be arranged?
Often same-day depending on turnover, cyber controls and contract requirements.