This product is aimed at self‑employed IT and tech professionals, IT contractors, consultants, single‑person limited companies and micro‑SMEs with annual turnover under £1 million.
- Fast: get a price in minutes and buy online
- Flexible: choose limits and add only the covers you need
- Protected: crisis containment and clear policy wording for peace of mind
- Tailored: designed specifically for IT risks.
Who is this for?
Our insurance is designed specifically for self‑employed IT and tech professionals and micro‑SMEs, offering essential professional indemnity (PI) and public and products liability protection. It gives you flexible limits plus a range of optional extensions such as employers liability, personal accident, property away and in transit and legal expenses. You can buy online and get cover in minutes, knowing that you have advice and support from a dedicated Marsh Commercial team of insurance experts should need it.
Insurance built for freelancers and small businesses in IT and tech
Get a quote in minutes and buy online.
Standard covers
- Professional Indemnity: Limits £100k–£10m; selectable excesses; retroactive/run‑off options
- Public and products liability: Limits £1m–£10m
- Employers liability: £10m (where applicable)
- Crisis Containment: immediate reputational/communications support
Optional covers
- PI USA/Canada extension
- PPL USA/Canada extension
- Property away and In transit (tools/equipment)
- Personal accident
- Commercial legal protection
- Additional endorsements/special limits by request
Insurance built for freelancers and small businesses in IT and tech
Get a quote in minutes and buy online.
Business insurance for self employed IT professionals FAQs
A
A
The compulsory covers are professional indemnity and public and products Liability. Both are provided with a choice of limits at quotation so you can match cover to your risk profile.
A
Yes. Optional covers include employers liability, personal accident (cover for up to 10 people), property away and in transit (UK, UK and Europe, or Worldwide up to £25,000) and Legal Expenses (up to £100,000).
A
Yes. Hiscox Crisis Containment is included at no additional cost. It covers reasonable and necessary costs to manage and reduce the impact of a crisis that threatens your business reputation, including fees for specialist crisis containment providers.
A
The product is set up for an online quote-and-buy experience. Choose your covers and limits, get a tailored quote, review the policy summary, and purchase online — your documents are issued electronically.
A
Limits are selectable at quotation. The exact options and pricing will be shown when you get an online quote based on your business details and chosen limits.
A
The product is designed for single‑person limited companies and micro‑SMEs with turnover under £1m. Cover is subject to underwriting and standard policy exclusions; specific terms and any exclusions will be shown in the policy wording and quotation.
A
Professional indemnity can respond to some claims arising from professional services, including negligent advice or errors that lead to client loss. Cyber-specific cover may require a separate cyber policy or endorsement — check your quote and policy wording or contact your Marsh representative for details.
A
Personal accident is an optional cover that can protect up to 10 named people (for example, contractors or employees) for events such as accidental injury resulting in incapacity or death. Limits, benefits and terms will be detailed in the quotation.
A
This optional cover protects business property while away from your business premises or while in transit. You can select UK only, UK and Europe, or worldwide cover, with maximum limits up to £25,000 as shown at quotation.
A
Yes — legal expenses is available as an optional add‑on with limits up to £100,000 to help pay for legal costs in disputes, employment issues, regulatory defence and similar matters (subject to terms).
A
Yes. If your business circumstances change (for example, turnover increases or you take on staff), contact us or request an updated online quote to adjust limits and add covers as needed. Policy changes may be subject to underwriting.
A
After buying online you’ll receive a policy schedule, a policy wording document, and any endorsements electronically. Keep these for your records and for clients who request proof of cover.
A
For tailored advice or bespoke arrangements please contact freelancer@marshcommercial.co.uk