IT contractor insurance
We can make arranging insurance for IT consultants simple
Start a quote
Complete our short form to start your business insurance quote. We’ll then call you at a time that’s convenient for you to discuss your requirements and provide an insurance quote
Speak to an expert
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
Insurance covers to consider
When deciding what insurance and covers you need to protect your business, you should consider the following:
Public liability insurance
Public liability insurance for IT consultants provides protection against claims of property damage or personal injury made by third parties, such as clients or members of the public, that arise from your business activities.
For instance, if a client tripped over some network cables you were installing, sustaining an injury, you may be liable to pay compensation awards. Public liability insurance can help cover the costs associated with such claims, including legal fees, settlements, and damages.
Without public liability insurance, an IT consultant could face significant financial losses if they were to be found liable for such claims. This type of insurance is therefore an important consideration for any IT consultant.
Employers' liability insurance
Employers’ liability insurance is a type of insurance that provides protection to employers against claims of injury or illness made by employees as a result of their work.
If you are an IT consultant who employs staff, whether on a full-time or part-time basis, you have a legal obligation to provide a safe and healthy working environment for your employees. Employers’ liability insurance can help protect you against the financial costs associated with claims made by employees who suffer injury or illness as a result of their work.
Personal accident cover
Personal accident cover can be added to your IT consultant policy, it is designed to provide financial assistance in the event of an accident. Personal accident cover can help you focus on your recovery and return to work as soon as possible. This coverage typically provides a lump sum payment or ongoing income support to help cover the costs of medical treatment, living expenses, and other financial obligations that you may have.
This type of insurance can provide additional peace of mind for IT consultants who may be self-employed or freelancing, and who may not have access to benefits such as sick pay or disability insurance.
Property covers
Property insurance for IT consultants provides protection for the physical assets of your business, including buildings, equipment, and inventory, against loss or damage caused by a range of events.
Depending on where you conduct your consultancy work, you may need to consider office insurance that would protect your business buildings and contents. If you work from your home you may also require home business insurance as most home insurance policies exclude business activities.
Business interruption insurance
Business interruption insurance provides coverage for lost income and expenses resulting from a disruption to your business operations, such as damage to your premises or equipment.
In the event that you suffered damage to your business property meaning you were unable to trade, then business interruption insurance cover can protect your loss of income whilst you get back up and running.
Professional indemnity cover
IT consultants provide a range of professional services, including advice, consultancy, design, and implementation of IT solutions. Professional indemnity insurance provides protection against claims of negligence or breach of duty made by clients or third parties in relation to the professional services you provide. For example, if a client were to suffer a financial loss as a result of your advice or work, they may file a claim for compensation. Professional indemnity insurance can help cover the costs associated with such claims, including legal fees, settlements, and damages.
Professional indemnity insurance is therefore an important consideration for any IT consultant who wants to protect themselves against potential financial losses resulting from allegations of negligence, errors or omissions, or breach of professional duty. If you require professional indemnity cover, simply request a call back or call to speak to one of our advisors.
Cyber and data insurance
Cyber and data insurance, also known as cyber liability insurance, is a type of insurance that provides protection to businesses against financial losses resulting from data breaches, cyber attacks, and other cyber threats. This type of insurance is particularly important for IT consultants, who may be responsible for managing their clients’ sensitive data and IT infrastructure.
Commercial legal protection
Commercial legal protection can insure your business against tax and VAT appeals, as well as employment disputes and compensation awards, and also provides jury service allowance if you or your employees are summoned.
IT consultant insurance FAQs
Do I need IT consultant insurance?
Without the right IT consultant insurance in place, you may be personally responsible for any losses that occur while conducting business, as well as any third-party claims that could be submitted against you. IT consultant insurance is typically designed to protect your consultancy against events that could leave you and your business exposed to large financial losses.
The type of insurance covers you need may depend on the specific nature of your business and the risks involved. If you are unsure, our insurance experts are on hand to help you determine what types and amounts of cover are appropriate for your business.
What covers do IT consultants need?
Typically, IT consultant insurance can cover your premises and equipment, as well as your clients and your staff. Covers you should consider include:
- Public liability – for injured visitors or damage to their property.
- Employers’ liability – to protect your employees.
- Professional indemnity – can cover compensation for losses you are legally liable for if you make a mistake or give negligent advice.
- Personal accident cover – to tide you over in the event that you injured yourself at work.
- Buildings cover – to cover for loss or damage to your premises.
- Equipment, contents and stock – to reinstate your items and belongings.
- Business interruption – to keep finances running when disaster strikes.
- Business legal expenses – to cover the cost of legal expenses.
- Cyber and data – to help cover damages and costs associated with data breaches, cyber-attacks, or other cyber incidents.
There may be other considerations that you may need to make, depending on the nature of your work and the exposures you face. You may be working for large corporate clients and have remote access to business networks. On the other hand, you may only be dealing with clients wishing to repair or maintain their domestic computers and networks. Either way, ensuring you have adequate cover for all your business activities is essential for business continuity.
How much does IT consultant insurance cost?
The cost of IT consultant insurance can vary depending on a number of factors, including the scale of your business or consultancy, the types of cover you require, the levels of cover and the location of your business.
For example, a small IT consulting business with a limited range of services may pay less for insurance than a larger firm that offers a wider range of services. Similarly, a business operating in a low-risk industry or location may pay less than one operating in a high-risk industry or location.
We always recommend that you gather quotes from multiple insurers to compare the best cover for your needs. At Premierline we can help by comparing quotes from some of the UK’s top business insurers. We can help to review your insurance needs to ensure that it continues to meet the changing needs of your business.
Why choose Premierline to arrange IT consultant insurance?
When it comes to protecting your business, you want an insurance broker that truly understands your needs. At Premierline, we specialise in finding business insurance covers for consultants and freelancers, taking pride in offering exceptional service to every client.
We recognise that your business is unique, which is why we work closely with you to find the perfect insurance covers for your specific needs. Our team of experienced advisors is dedicated to simplifying the process of obtaining IT consultant insurance, so you can focus on running your business with peace of mind.
Whether you need coverage for public liability, professional indemnity, your property, or any other aspect of your business, we have the expertise and resources to find the ideal policy for you. So why wait? Request a call back or give us a call today, and let us help you protect your business.
What type of IT consultants does Premierline work with?
As a business insurance broker, we can source insurance for a range of different IT Professionals. Such as:
- Software Consultants
- Cyber Security Consultants
- Data Consultants
- Technical Consultants
- Technical Support Consultants
We can make arranging your IT consultant insurance simple and hassle-free, even if your business has complex needs. Speak with our team of advisors who can recommend the right covers for your business today.
What will I need to know to complete my insurance quotation?
Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
How soon will I get my policy documents?
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
How do I pay for my policy?
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.
Why choose Premierline?
We're business insurance experts
We understand the nature of running your business often leaves little time for much else. That's why we work closely with some of the UK's leading insurers to find cover that's right for you, making arranging insurance for your contracting business simple and hassle-free. We're committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.
- Award winning service - We're trusted by thousands of SMEs across the UK
- Comprehensive protection - We can help with all your commercial insurance needs
- UK based experts - Located in Lancaster, our advisors are here to help
Our customer reviews and testimonials
“Premierline are a supportive insurance broker. They look after us in terms of maintaining our account and identifying any actions required. Plus theyre supportive when it comes to queries and assistance. And finally when it comes to claiming they are extremely sympathetic, they relate to the situation and offer any help they can.”
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Speak to a IT consultant insurance expert
We make arranging your IT consultant insurance simple and hassle-free. At Premierline we can find and compare quotes from a selection of trusted insurers, and get the right protection for your IT consultancy business. Our advisors are also on hand to provide advice on what covers you need, give us a call or request a call back and we’ll do the hard work for you.
Start a quote
Complete our short form to start your business insurance quote. We’ll then call you at a time that’s convenient for you to discuss your requirements and provide an insurance quote
Speak to an expert
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm