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SPECIALIST INSURANCE FOR IT CONSULTANTS
What Is IT Consultant Insurance?
IT consultants support organisations in system design, software development, cloud migration, cybersecurity, IT transformation and infrastructure management.
Our IT Consultant Insurance protects your limited company from claims linked to technical errors, implementation issues, security failures, data loss, contractual obligations and regulatory breaches.
Key Insurance Covers for IT Consultants
IT contractors face technical, operational, security and contractual risk — these covers help safeguard your work.
- Professional Indemnity (PI) – critical for errors in coding, configuration, implementation, system design and technical consultancy.
- Public Liability (PL) – required for onsite visits, equipment installation or client premises work.
- Cyber Liability – essential for contractors handling data, networks, access credentials or cloud environments.
- Employers’ Liability (EL) – legally required if you use staff or technical subcontractors.
- Contractual Liability – supports obligations in IT consultancy contracts and statements of work.
- Management Liability – protects directors of your limited company IT consultancy.
- Portable Equipment Cover – laptops, development hardware, specialist IT tools.
- Business Interruption – where applicable, protects against losses following insured events.
- Legal Expenses – essential for contract disputes, intellectual property issues, and regulatory matters.
Why IT Consultants Need Specialist Insurance
Technology roles carry reputational, operational and financial risk — insurance helps you protect your limited company and meet client expectations.
Protection Against Technical Failures & Errors
- Coding or configuration mistakes can cause service downtime.
- Data migration or system integration errors may lead to loss.
- Cybersecurity gaps or misconfigurations can cause breaches.
- PI helps protect against claims arising from technical work.
Supports Contractual & Cyber Security Requirements
- Many IT consultancy contracts mandate PI, PL and Cyber cover.
- Essential for onboarding with corporates and software providers.
- Reduces risk in cloud migration, DevOps, SaaS and security projects.
- Supports compliance with GDPR, ISO27001 and data handling rules.
FREQUENTLY ASKED QUESTIONS
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Why do IT consultants need contractor insurance?
IT consultants influence systems, security, data and business-critical technology. If errors cause downtime or financial loss, clients may pursue claims. Insurance protects your limited company from these risks.
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How much Professional Indemnity does an IT consultant need?
Most IT consultants require £1m–£5m PI cover, but cloud, infrastructure, security and enterprise projects may need higher limits.
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Is Cyber Liability important for IT consultants?
Yes — Cyber is one of the most essential covers for IT contractors and is increasingly mandatory for onboarding.
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Does the insurance cover software or configuration errors?
Yes — Professional Indemnity insurance can cover mistakes in development, configuration, integration, testing and consultancy.
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Can you review my current IT contractor insurance?
Yes — we can assess your policy, ensure your PI limits meet client requirements and check your Cyber and PL cover align with your role.