Insurance for IT consultants

Tailored insurance in one simple policy

Whether you handle digital assets or provide cross-company solutions, your clients come to you for precision, and tailored, expert care. As a top priority, you need protection – just in case something goes wrong. With Simply Business you can build a policy that protects you, your premises, and your clients, plus any specialist equipment or tools. Whether you work on your own or employ people, it’s quick, quality cover, all in one policy.

What insurance do IT consultants need?

Public liability insurance is often an important cover for businesses, as it can protect you if someone is injured or their property is damaged because of your business. Simply Business offers between £1 million and £5 million in cover, to protect you against this cost.

Professional indemnity insurance is a vital consideration for all businesses that give advice or offer professional services to other businesses. It covers you in the event that you give faulty advice that causes financial loss to a client.

If you have employees, contractors, casual workers or temporary staff, you’re required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.

The average insurance claim for IT consultants is £3,596 – could you afford this if the worst happened? (Average claim being £3,596. Based on data from 21 November 2018 - 20 November 2019, for comparison only. Cancellation charges may apply, please refer to our full terms & conditions.)

IT consultant insurance policy details

• Make sure you read your policy documents carefully and that you understand any exclusions that may apply
• Try to find out what level of professional indemnity insurance your clients might expect before you buy
• If you employ people, even in your own home, you’re legally obliged to take out employers’ liability insurance. Not doing this could lead to a heavy fine
• Your trade carries a specific set of risks, so make sure you’ve looked into breach of cover, software and hardware protection solutions
• You may also need intellectual property rights such as copyrights and trademarks, for watertight security

Need more details? Hear more about your business cover options from our expert team in a quick insight into how each option can help your business. You can also check out our business insurance FAQs.