Software specialists’ insurance

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Male and female software professionals looking at a server

Why do you need IT consultant insurance?

Our policies don’t stop at liability insurance. Accidental injuries and damage are everyday risks, but claims for negligence, tool theft, and legal disputes affect thousands of consultants. For example if a client felt you’d compromised their customer data and made an indemnity claim, would you have the funds ready to deal with it and move on?

  • IT consultant liability insurance with public liability from £1 million
  • peace of mind, letting you focus on the day’s tasks, not the what-ifs
  • cover for the essentials from the contents of your office to legal expenses


What does IT consultant insurance cover?

We’ll start with professional indemnity insurance, designed to cover software professionals and consultants against claims for negligence and loss-causing errors. Our cover also builds public liability cover into your IT consultant insurance – UK contact centre, 24/7 claims team, and tools insurance are all part and parcel too, depending on what your business needs.


How much does computer consultant insurance 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.

Prices start from £4.74 per month

Get your tailored quotes in 7 minutes

Example IT insurance quotes, real prices

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover

Lowest excess

Highest excess

Public liability

£100

£2500

Employers’ liability

No excess

No excess

Tools

£60

£500

Stock

£100

£500

Business and office equipment

£50

£750

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.


How it works

Pick what goes into your policy

Get prices from a range of insurers

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How do I choose insurance?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.


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 claims work?

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 any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£51 million in claims paid out in 2023

Example claim

Having IT consultant insurance through Simply Business has saved professionals thousands of pounds when the unexpected happened.

Marcello saved more than £2,000

Marcello (not his real name) was walking into his client’s office when his laptop fell out of his bag, smashing the screen on the granite floor. The business and office equipment cover he’d added to his IT consultancy insurance covered the replacement cost.

IT consultants 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 IT consultant insurance. You can also check out our business insurance FAQs.

The exact insurance you’ll need depends on your business, the clients you work with, and the projects you’re booked on as a software or IT consultant.

Professional indemnity insurance is a key cover for thousands of IT and software consultancies, protecting against claims for negligent professional errors. You can add it to a broader business insurance policy that includes cover for things like accidents, injuries, and damage to your laptop, or buy it as a standalone policy.

Yes. As an IT or software consultant, 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.

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 instalments.

If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 043 8527. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.

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.

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


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