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We work with leading UK insurers for technical & IT consultants
INSURANCE DESIGNED FOR TECHNICAL CONSULTANTS & SOLUTION SPECIALISTS
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PROJECT DELIVERY RISK
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CLIENT EXPECTATIONS
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SYSTEM INTEGRATION
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DATA & CONFIGURATION
Why Technical Consultants Need Specialist Insurance
Technical consultants sit between business and technology – designing solutions, configuring systems, running implementations and integrations. If a project overruns, fails to deliver expected results or causes operational disruption, your client may hold you responsible. Many contracts and agencies now mandate professional indemnity and public liability insurance before work can begin, particularly where you are working outside IR35 or delivering fixed-scope projects.
Key Technical Consultant Insurance Cover
Cover tailored for implementation specialists, solution designers and technical project leads.
- Professional Indemnity – for errors in advice, specification, design or configuration.
- Public Liability – for accidental injury or property damage at client offices or sites.
- Technology Errors & Omissions – for financial loss caused by your professional work.
- Cyber Liability – if your work contributes to data breaches or security incidents.
- Contractual Liability – to meet agency and end-client insurance clauses.
- Equipment Cover – laptops, mobiles and portable devices used on client projects.
- Business Interruption (cyber) – where included after an insured cyber event.
- Worldwide Cover – options for remote and international consultancy projects.
Common Risks for Technical Consultants
- Mis-specified requirements leading to systems that do not meet business needs.
- Configuration errors causing data loss, reporting issues or operational downtime.
- Integration failures between legacy and new systems.
- Delays in implementation impacting go-live dates and revenue.
- Disputes over the scope of work, deliverables or acceptance criteria.
- Alleged breach of confidentiality or misuse of sensitive client data.
- IP or licensing disputes over documentation, templates or solution design.
- Inadequate handover or training leading to client complaints.
Why Choose Insure24 for Technical Consultant Insurance?
- Experienced in insuring IT, digital and technical consultancy roles.
- Policies aligned with agency contracts, frameworks and enterprise onboarding.
- Options to bundle PI, PL, cyber and equipment in a single package.
- Support for both day-rate and fixed-price project consultancy models.
- Flexible cover if you work through a limited company or as a sole trader.
- Fast documentation for client procurement and risk teams.
- Help choosing indemnity limits that match your contract exposure.
How to Arrange Technical Consultant Insurance
- 1. Tell us your consulting specialism – CRM, ERP, data, cloud, infrastructure, telecoms, etc.
- 2. Confirm typical project values, contract lengths and client sectors.
- 3. Share any specific insurance requirements in agency or client contracts.
- 4. We identify suitable insurers for your technical risk profile.
- 5. You receive tailored quotes matching PI/PL limits and optional cyber cover.
Technical Consultant Roles We Cover
Insurance support for a wide range of technical consulting and implementation roles.
Systems & Application Specialists
- ERP Consultants (e.g. SAP, Oracle, Dynamics)
- CRM Consultants (e.g. Salesforce, Dynamics, HubSpot)
- HR & Payroll Systems Consultants
- Billing & Revenue Platform Specialists
- Contact Centre & Telephony Consultants
- Document Management & Workflow Consultants
Data, Cloud & Solution Design Roles
- Technical Solution Architects
- Data & Analytics Consultants
- Integration & Middleware Specialists
- Cloud Migration Consultants
- Digital Transformation Consultants
- Implementation & Rollout Project Specialists
I work as a freelance technical consultant on CRM and ERP projects. Insure24 understood the project risks and set up PI and PL cover that matched my client contracts perfectly.
Sarah K., Technical ConsultantFREQUENTLY ASKED QUESTIONS
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Do technical consultants need professional indemnity insurance?
Yes. If your advice, specification or configuration leads to financial loss for a client, they may
pursue a claim. Professional indemnity insurance is designed to protect you against those allegations.
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Is public liability still needed if I mainly work remotely?
Many agencies and clients still require public liability insurance as standard, even if most of your
work is remote. It can also protect you when you attend client offices, data centres or events.
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What insurance limits do technical consultants usually need?
Typical requirements range from £1m to £5m professional indemnity and public liability, but some
enterprise or public sector contracts may specify higher limits. We can align your policy to your
current and target contracts.
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Does insurance help demonstrate I’m in business on my own account (outside IR35)?
While insurance does not decide IR35 status, holding your own business insurances is a positive
indicator that you operate as an independent consultancy rather than an employee. It is one of
several factors considered.
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Can I pay monthly for technical consultant insurance?
Yes – most policies can be paid monthly through premium finance (subject to status), which can help
with cash flow between projects.