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We work with leading UK insurers for IT contractors
INSURANCE DESIGNED FOR IT CONTRACTORS & TECHNOLOGY PROFESSIONALS
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PROFESSIONAL ERRORS
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CLIENT DATA RISKS
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CONTRACT REQUIREMENTS
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REMOTE & HYBRID WORK
Why IT Contractors Need Specialist Insurance
IT contractors work on high-value projects involving software development, systems configuration, cloud migration, data processing, AI/ML development and cybersecurity. Even small errors can cause operational disruption, financial loss or data exposure. Many clients will not allow contractors to start work without professional indemnity and public liability insurance in place.
Key IT Contractor Insurance Cover
Protection for consultants, developers, analysts and technical specialists.
- Professional Indemnity – for coding errors, incorrect advice or project failures.
- Public Liability – for accidental injury or property damage at client premises.
- Cyber Liability – for data breaches, ransomware or system compromise.
- Intellectual Property Risks – for copyright, licensing or IP disputes.
- Contractual Liability – to meet client/agency insurance requirements.
- Equipment & Laptop Cover – for portable devices and work tools.
- Business Interruption – for downtime following a cyber event.
- Worldwide Cover – for remote or international project delivery.
Common Risks for IT Contractors
- Project delays caused by configuration or integration errors.
- Incorrect code deployment causing operational downtime.
- Loss of client data or security vulnerabilities.
- Breach of confidentiality or IP rights.
- Cyberattacks triggered by weak access controls.
- Remote work incidents affecting client systems.
- Contractual penalties for failing to meet SLAs.
- Inadequate documentation of project deliverables.
Why Choose Insure24 for IT Contractor Insurance?
- Insurance aligned with IR35, client contracts & agency frameworks.
- Specialist cover for developers, analysts, cloud engineers & consultants.
- Fast documentation for onboarding with agencies and end clients.
- Optional cyber and equipment cover for full protection.
- Support for remote, hybrid and international work models.
- Competitive premiums for low-risk technical roles.
- Experienced advisers who understand contractor working models.
How to Arrange IT Contractor Insurance
- 1. Tell us your IT role, skillset & contract type.
- 2. Provide details of client industries & data sensitivity.
- 3. Confirm contract requirements (PI limit, PL limit, cyber cover).
- 4. We compare suitable insurers for your work profile.
- 5. You receive quotes tailored for agencies & direct client contracts.
IT Roles & Contractors We Cover
Flexible insurance designed for the full range of IT contractor skillsets.
Technical Roles
- Software Developers
- DevOps Engineers
- Cloud Engineers
- Network Engineers
- Cybersecurity Consultants
- Database Administrators
- AI/ML Engineers
Consultancy & Management Roles
- IT Consultants
- Technical Project Managers
- Systems Analysts
- Solution Architects
- IT Trainers & Implementation Specialists
- Business Analysts
- ERP & CRM Consultants
My client required £5m PI and PL before I could start. Insure24 sorted everything in a few hours and helped me meet the agency’s onboarding requirements.
David A., Software ContractorFREQUENTLY ASKED QUESTIONS
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Do IT contractors need professional indemnity insurance?
Yes. Most IT contracts require PI insurance to protect against financial loss from coding
errors, delays, incorrect configuration, system failure or breach of duty.
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Do agencies require public liability insurance?
Many agencies require both PI and PL as part of the onboarding process, even for remote IT roles.
This protects clients if you visit premises or interact with equipment.
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Is cyber insurance necessary for IT contractors?
Highly recommended. IT contractors often access sensitive systems and data. Cyber cover protects
against data breaches, ransomware, system corruption and liability for compromised systems.
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Can IT contractor insurance help with IR35 compliance?
While insurance cannot determine IR35 status, carrying your own business insurances is a
positive indicator of operating as a genuine independent contractor.
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Can I pay monthly?
Yes – monthly payment plans are available via premium finance (subject to status).