Yes – property away and in transit is available (UK / UK and Europe / worldwide). Sums above £25,000 will require review.
Why do you need specialist IT consultants insurance?
If you’re a self employed IT professional, IT contractor or run a small IT/tech business, the work you do is highly complex and you face unique challenges and risks that are very different to those in another industry. It may often be project driven, client facing and delivered under a written contract, which means one coding error, missed deadline or hardware fault could lead to client claims or reputational damage. Specialist business insurance can help protect you against the financial implications of those risks.
A simple solution for complex work
Our tailored insurance policy is built for the realities of tech work, helping to protect your income, reputation and contracts. You choose the core cover that suits your role and add only the extras you need, helping keep premiums appropriate for small tech businesses and IT freelancers.
Get insurance for IT professionals
Get an instant quote and buy online - protect your IT business in minutes. Or give us a call for expert advice.
Key benefits for IT contractors and consultants
- Tailored for technology risks: written with IT consultancy, software development and systems integration in mind.
- Flexible core cover: choose either professional indemnity or public and products liability at purchase, with limits up to £10m to meet contract requirements.
- Optional protections: add employers liability, personal accident, property away and in transit and legal expenses when required.
- Reputation support: Hiscox crisis containment (limit £25,000) is included to help manage media or reputational issues.
- Quick proof of cover: documents emailed instantly so you can meet client procurement checks.
What you need to know
- Turnover: this product is for businesses with turnover under £1m - risks over £1m are not accepted.
- USA/Canada work: exposure to the USA and Canada is limited (max 25% of turnover) and may require additional options.
- Referral thresholds: some limits (e.g., property sums above £25,000 or more than 10 people for personal accident) will trigger underwriter review.
Who should consider this policy?
This product suits self-employed IT professionals and small tech businesses:
- Freelance developers, engineers and IT contractors working on client projects.
- IT consultants and systems integrators advising on design and delivery.
- Cybersecurity specialists, UX/product consultants and micro start ups with small teams.
Fast online quote and simple purchase
Get an instant quote, complete your purchase online and receive policy documents by email. The digital application is short and focused on the information underwriters need – no lengthy forms. If the cover meets your needs, you can buy immediately and show proof of cover to clients before starting work.
Get insurance for IT professionals
Get an instant quote and buy online - protect your IT business in minutes.
What insurance does an IT consultant, contractor or freelancer need?
It will vary depending on the type of work you do, but typically you may need:
Professional indemnity insurance for IT contractors
This covers the legal and compensation costs you may have to pay if a client makes a claim against you. It can help if a client alleges professional negligence, an error in your work, or advice that leads to financial loss. Professional indemnity cover is often important where you provide services under contract, and some clients may ask for PI cover before you start work. Depending on the terms, it may also include retroactive cover for past work.
Public liability insurance for IT contractors
This covers you for the cost of a claim arising from an injury caused or property damage caused by you or your employees. It can be relevant if you visit client sites for meetings, installations or client trips.
Employers liability (EL)
This is compulsory by law for most businesses, and employers liability insurance is a legal requirement in many cases. It provides cover if a worker suffers an injury or an illness they believe is your fault.
Other covers
You may also wish to consider cyber liability insurance, which protects your business from cyber-criminal activity such as hacking and cyber extortion, along with the legal and reputational fall-out caused from a data breach.
You may also want personal accident insurance, which can pay a lump sum if a named person suffers a serious accidental injury. This can be helpful if your business depends on a small number of key people, including in self employment or when working through another business.
Get insurance for IT professionals
Get an instant quote and buy online - protect your IT business in minutes.
FAQs
A
You must choose either professional indemnity or public and products liability at purchase. Choose the one most relevant to your work. If you provide advice, design or technical services, professional indemnity may help with legal action linked to your work.
A
Yes – Hiscox crisis containment is included (limit £25,000) to help manage reputational impact after an insured incident.
A
A
This product is aimed at self employed IT and tech professionals, IT contractors, IT business consultants, single person limited companies and micro SMEs with annual turnover under £1 million.
A
Yes. Optional covers include employers liability insurance, personal accident insurance(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
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
Professional indemnity can respond to some claims arising from professional services, but we would advise you to get a standalone cyber policy for peace of mind.
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.
