Technology Sector Contractor Insurance

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Specialist insurance for IT, digital and technology sector contractors & consultants

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

We compare quotes from leading tech-sector insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

INSURANCE FOR TECHNOLOGY SECTOR CONTRACTORS

Cover for Contractors Behind Digital, Cloud & IT Change

Technology sector contractors are at the heart of digital transformation - delivering coding, systems integration, cloud migration, data analytics, cyber security and infrastructure change. When projects go wrong, systems fail or expectations aren’t met, clients may seek to recover losses from the contractors involved.

Technology Sector Contractor Insurance from Insure24 is designed for IT contractors, consultants and specialists working across software, infrastructure, cloud, cyber, telecoms and digital projects, whether outside IR35, inside IR35 or via consultancies.

SPEAK TO A TECH INSURANCE SPECIALIST
GET A QUOTE NOW

What Does Technology Sector Contractor Insurance Include?

Core covers tailored for IT, digital and technology projects.


  • Professional Indemnity (PI) – errors in advice, design, configuration or implementation
  • Technology Errors & Omissions (Tech E&O)
  • Cyber Liability – data breaches, ransomware and system compromise
  • Intellectual Property (IP) infringement cover
  • Public Liability – injury or property damage at client premises
  • Business Interruption (following insured cyber events)
  • Employers’ Liability (if you employ staff/associates)
  • Portable equipment cover for laptops & devices

Common Risks for Technology Sector Contractors

Typical issues that lead to claims, complaints or contract disputes.


  • System outages caused by configuration or deployment errors
  • Bugs or defects in software delivered to clients
  • Security vulnerabilities introduced into applications or infrastructure
  • Failed integrations or migrations impacting business operations
  • Data loss or corruption during project work
  • Missed deadlines and milestone disputes
  • IP disputes over code, frameworks or tools used

Why Technology Contractors Choose Insure24


  • Experience with IT, software, cloud and digital project risks
  • Policies suitable for outside IR35, inside IR35 and consultancy models
  • Cover aligned with major corporate and public-sector contract requirements
  • Option to combine PI, Cyber and Public Liability in one package
  • Fast, contract-ready documentation for onboarding and frameworks
  • Access to specialist tech-sector insurers

How to Arrange Technology Sector Contractor Insurance


  • 1. Tell us your specialist area – software, cloud, cyber, data, infrastructure, etc.
  • 2. Confirm your turnover, day rate and typical client types
  • 3. Share contract insurance requirements (PI limits, Cyber, PL)
  • 4. We approach specialist tech-sector insurers on your behalf
  • 5. You choose cover limits and options that match your risk
  • 6. Documents issued promptly for onboarding and compliance

SUITABLE FOR A WIDE RANGE OF TECH ROLES


  • Software & application developers
  • Cloud & infrastructure engineers
  • DevOps & platform engineers
  • Cyber security consultants
  • Data engineers & analysts
  • IT project & programme managers
  • Digital transformation and technology change consultants

FREQUENTLY ASKED QUESTIONS

+-

Do technology contractors need Professional Indemnity insurance?

Yes. Most IT and technology contracts specify PI as mandatory due to the financial and operational impact of system failures, bugs and configuration errors.

+-

Is Cyber Insurance included or separate?

Cyber cover can be included within a tech PI package or arranged separately. Many contractors choose combined PI + Cyber for better value and clarity.

+-

Are outside IR35 contractors covered?

Yes. Our policies are suitable for outside IR35 limited company contractors as well as consultancy models and some inside IR35 arrangements.

+-

Does the insurance cover remote and hybrid working?

Yes. Cover can apply whether you work onsite, remotely or in a hybrid pattern, subject to territorial and jurisdiction wording in the policy.

+-

How quickly can Technology Sector Contractor Insurance be arranged?

In many cases, cover can be arranged the same day, especially where you have clear contract requirements and project details available.

Related Blogs

Common Claims Made Against Contractors (With Examples)

Introduction

Contracting work is hands-on, deadline-driven, and often carried out in busy environments where other trades, clients, and members of the public are nearby. Even when you do everything…

Should Marketing Consultants Buy PI Insurance?

Introduction

If you’re a marketing consultant, your “product” is your advice. Whether you’re running paid media, building a brand strategy, managing a product launch, or advising on…

Why DevOps Engineers Need Specialist Insurance

By Insure 24

Why DevOps Engineers Need Specialist Insurance

The role of a DevOps engineer has become increasingly critical in today's technology-driven business landscape. As organizations rely more heavily on continuous integration, continuous deployment, and autom…

the-complete-insurance-guide-for-it-contractors

By Insure 24

The Complete Insurance Guide for IT Contractors


Introduction

Running an IT contracting business comes with unique risks—from client disputes over project delivery to data breaches affecting sensitive information. Whether you're a freelance deve…

Top 10 Insurance Mistakes Contractors Make

By Insure 24

Top 10 Insurance Mistakes Contractors Make

Running a contracting business means juggling multiple responsibilities—from project management and client relations to invoicing and compliance. With so much on your plate, it's easy to overlook critical…

Why Public Liability Isn't Enough for Contractors

Introduction

Public liability insurance is often seen as the bare minimum for contractors. It's the policy that covers you when someone gets injured on your site or their property is damaged because of …

The Complete Insurance Checklist for UK Contractors

Running a contracting business in the UK requires more than just technical skills and a strong work ethic. One of the most critical aspects of protecting your business, your team, and your clients is h…

Inside vs Outside IR35: What Insurance Changes?


Introduction

If you're a contractor or freelancer working in the UK, you've likely heard the term "IR35" thrown around. But what does it actually mean, and more importantly, how does your IR35 status im…