Cyber Security Consultant Insurance

• Professional Indemnity (PI) – claims that your advice, design or configuration work caused a loss.
• Errors & omissions – mistakes in scoping, documentation, configuration or project delivery.
• Cyber & data liability – certain liabilities if a breach or attack affects your clients.
• Network security & privacy – cover for specific security failures and data incidents.
• Media liability – issues arising from unintentional defamation or IP infringement in content.
• Public Liability – injury or property damage to third parties at client sites.

• A vulnerability is missed, later exploited in a serious breach.
• Recommendations are implemented incorrectly, but fingers still point at you.
• A configuration change leads to downtime or business interruption.
• Your report is relied upon in an acquisition or due diligence process.
• You are accused of not clearly flagging residual risk or caveats.
• Client contracts contain far-reaching indemnities and warranties.
• A phishing simulation, red team or social engineering exercise causes upset or HR issues.
• An endpoint or logging solution you recommended fails at a critical moment.

• Knowledge of cyber & technology risks – not just generic business insurance.
• Access to insurers who understand penetration testing, red teaming and incident response.
• Policies designed around common security frameworks and standards.
• Ability to align cover with your client contracts, SLAs and risk profile.
• Support with worldwide territories and jurisdictional considerations (where available).

• 1. Discovery call – we discuss your specialisms, client types and typical project values.
• 2. Information gathering – turnover, contract limits, jurisdictions and previous claims.
• 3. Risk profile – red teaming, pentesting, SOC work, advisory, IR, managed services or mixed.
• 4. Contract review – key indemnities, warranties, caps and exclusions in your agreements.

• Network, infrastructure and web application penetration testing.
• Red teaming, purple teaming and adversary simulation engagements.
• Social engineering, phishing simulations and physical security testing.
• Testing that may cause downtime or be accused of doing so.
• Complex scopes with multiple third parties and suppliers involved.

• ISO 27001, NIST, CIS, PCI DSS and other security frameworks.
• Risk assessments, maturity reviews and board reporting.
• Policy development, awareness training and internal audits.
• Support for regulatory compliance and assurance questionnaires.
• Work tied to significant transactions, investments or market disclosures.

Even expert consultants cannot guarantee 100% security.

• New vulnerabilities and zero-days emerging after your engagement.
• Complex infrastructures where full assurance is impossible.
• Shared responsibility with internal teams and third parties.
• Misunderstandings about scope, priorities and timelines.
• Legacy systems and constraints beyond your direct control.

• Claims for loss of revenue following security incidents.
• Costs of forensic investigation and expert testimony.
• Legal fees in defending against negligence allegations.
• Settlements where clients allege your work contributed to a breach.
• Costs associated with contract disputes and arbitration.

• Nature of services – advisory, testing, managed services, IR, mixed.
• Sectors you work in – SME, enterprise, regulated industries, critical infrastructure.
• Typical contract sizes and project values.
• Whether you work directly with end clients or via other consultancies.
• Any work in higher-risk territories or jurisdictions.

Situation: A consultant carried out a web application test and issued a report. Months later, a different vulnerability – not listed in the report – was exploited and the client suffered a breach.

Issue: The client alleged the consultant should have identified and highlighted the weakness.

Outcome: Professional Indemnity responded (subject to policy terms), funding legal defence and a negotiated settlement. The consultant refined scoping language and reporting structure to clarify limitations.

Situation: A vCISO advised a client on prioritising security investments. A breach later exploited a lower-priority risk.

Issue: Questions were raised about the risk prioritisation and advice given.

Outcome: PI cover funded legal representation, and detailed documentation of decisions proved crucial in resolving the dispute favourably.

• Use clear statements of work and engagement letters for each project.
• Set realistic expectations about scope, limitations and residual risk.
• Ensure liability caps and indemnities are aligned with your insurance.
• Document key decisions, assumptions and risk acceptance by clients.
• Review contracts for unusual security or guarantee clauses before signing.

Ideal for: Independent consultants working alone, often outside IR35.

• Core Professional Indemnity with appropriate limits for your contracts.
• Optional standalone or packaged Cyber cover.
• Public Liability and, where needed, Employers’ Liability.
• Worldwide cover options for remote and international work.
• Policies designed to grow with you if you later build a team.

Ideal for: Consultants heavily involved in breach response and forensics.

• Enhanced focus on response-driven risk and regulatory exposure.
• Careful alignment with retainer and time-critical SLAs.
• Support with cross-border and multi-party engagements.
• Consideration of higher claim severity scenarios in limits.
• Tailored wording to reflect IR-driven service models.

• The advice and technical work you deliver for clients.
• Your limited company, consultancy or sole trade practice.
• Your contractual relationships with key clients and partners.
• Your financial position if a major claim or dispute arises.
• Your long-term reputation as a trusted cyber professional.

• Enterprise security RFPs with detailed insurance requirements.
• Cloud and managed service provider contracts with security clauses.
• Public sector and regulated industry procurement processes.
• MSAs that reference specific PI and Cyber limits and wording.
• Requests for evidence of cover as part of due diligence.