IT consultant insurance

Join over 137,000 professionals (including 45,100 consultants like you) – we offer professional indemnity cover for IT consultants from £7.58*

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£57 million in claims paid out in 2025

*10% of IT consultants pay the equivalent of £7.58 a month

IT consultant checking discussing performance in a server room

Insurance for IT consultants – why is it important?

As an IT consultant you handle expensive equipment, plus work with your clients daily – meaning you face a number of risks. With the right cover you can get back to business as normal. You can start with public liability and build from there.

IT consultancy insurance online, from quote to claim
professional indemnity insurance for IT consultants, UK claims and contact team
public and product liability between £1 million and £10 million

What does IT consultant insurance cover?

Professional indemnity insurance is usually a key cover for many businesses. It protects your business against compensation claims if you give bad advice or your work doesn’t meet the required standards. Beyond that, tailor your policy to your needs as a IT consultant, adding covers as you need them.

Employers’ liability insurance

In case anyone gets ill or injured while working for your consultancy

Employers’ liability insurance

In case anyone gets ill or injured while working for your consultancy

What’s typically covered by employers’ liability insurance?

Claims against your business for:
- an injury that happens as a result of working for you (including temps and casual workers)
- an employee, including a contractor or casual labourer, suing you after falling ill because of working for you
**Employers’ liability insurance is usually required by law if you employ anyone – including part-time staff, temporary workers, and in most cases, volunteers. Without it, you could be fined up to £2,500 for every day you don’t have cover in place. A main exemption is unincorporated family businesses where all your employees are family members.**

For example:
- your employee injures their lower back while moving furniture at your premises and holds you responsible
- an employee cuts their hand on a damaged countertop and sues you for operating an unsafe workspace
- a member of staff trips over while unloading business equipment, injuring their knee

This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions

How much does insurance for IT consultants cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

It consultant insurance quotes from £7.58 per month

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*The price is for up to £1 million of professional indemnity insurance – 10% of consultants paid £91.00 or less annually between 1st Jan – 30th Jun 2026. Equivalent to £7.58 a month (and excludes the extra costs for paying monthly). If you complete a quote, more types of cover will be available. These all have additional costs.

£8.05 /month

£96.60 /year

A self-employed IT consultant working with local businesses

Over 5 years’ experience
Sole trader
0 employees
Based in Hammersmith and Fulham

Public liability

£1,000,000

Professional indemnity

Not included

Employers’ liability

Not included

Portable equipment

Not included

£47.08 /month

£564.98 /year

A small IT consultancy firm

Over 5 years’ experience
Sole trader
0 employees
Based in Redbridge

Employers’ liability

£10,000,000

Public liability

£1,000,000

Professional indemnity

£1,000,000

Legal expenses

£100,000

How we work out example quotes: These examples are real quotes from our online system (created between 1st Mar and 31st June 2026). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.

How it works

Pick what goes into your policy

Only pay for what you need

Get prices from a range of insurers

Choose the best fit for you

Buy online in minutes

Get your documents the same day

Start your quote

Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm

Call our team

0333 043 8527

Online

Contact us on our website whenever suits you

Phone

Call our insurance experts during office hours (calls are charged at a local rate)

FAQs

Find answers to common insurance questions

How do insurance claims work for IT consultants?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£57 million in claims paid out in 2025

The figure above is rounded across our range of products. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 13/03/2026.

Chosen by over one million small business and landlord customers

With insurance for over 1,500 trades, and 9/10 customers rating us ‘good’ or ‘excellent’ on Feefo, you can get tailored quotes in 7 minutes. Compare quotes from leading insurers, buy, and manage your policy – all in one place.

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IT consultant insurance FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for off licences. You can also check out our business insurance FAQs.

Can I add cover for a different trade or profession mid-way through my policy?

Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work.

If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.

Can I buy business insurance if I’ve had any CCJs or IVAs?

What’s the difference between paying by Direct Debit and paying in one lump sum?

You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

one-off credit or debit card payment
BACS payment
Direct Debit

If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.

Does public liability insurance cover my business for the actions of my employees?

This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

If you employ people, you’re required by law to have employers’ liability insurance.

There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

Do I need cover for other types of work?

Make sure you’re covered for the services you provide:

The types of businesses we insure:

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

Reviewed by

Greg Caswell-Smith

Greg Caswell-Smith is an Insurance Product Manager at Simply Business with over a decade of experience across Sales, Underwriting, and Product Management. He specialises in translating complex underwriting requirements into seamless customer journeys, ensuring insurance products work intuitively for the people who need them.

IT consultant insurance

Compare quotes from leading brands

Insurance for IT consultants – why is it important?

What does IT consultant insurance cover?

Employers’ liability insurance

What’s typically covered by employers’ liability insurance?

How much does insurance for IT consultants cost?

IT consultant insurance quotes

How it works

Pick what goes into your policy

Get prices from a range of insurers

Buy online in minutes

Talk to an expert

How do insurance claims work for IT consultants?

£57 million in claims paid out in 2025

Compare and buy in minutes

Rated 4.6/5

Here to help

24/7 claims

IT consultant insurance FAQs

Helpful articles for IT consultancy companies