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What is IT contractors’ insurance?
IT contractors’ insurance is designed to financially safeguard your business against any claims which may be brought by clients or employees. Our specialist IT insurance is designed around industry risks and services to ensure you are protected and covered to the highest level, whether you’re developing software and managing networks, or offering technical support and handling confidential data.
This cover can be tailored to your unique needs, including professional indemnity, legal expenses and cyber insurance.
| Professional negligence | |
| Loss or damage to documents | |
| Costs of restoring data and equipment |
Why do IT contractors’ need insurance?
Your services and duties as an IT contractor can place you in a position of risk, facing unknown circumstances if any legal action were to be brought against you. Securing insurance for yourself ensures you can remain financially protected and keep your business running, in the event you need to replace damaged equipment or you have provided negligent advice to a client.
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What insurance do IT contractors need?
What IT contractors’ insurance can cover?
Our IT contractors’ insurance covers your legal costs and expenses in defending a claim, and any compensation or costs that may subsequently be awarded (please check your policy terms and conditions for full conditions), following:
What can be covered:
| Professional negligence – such as providing negligent advice when providing IT services, resulting in a costly system rebuild | |
| Loss or damage to documents – our policies can cover the cost of replacing or restoring any document which is lost, damaged or destroyed during the policy year to ensure you can keep trading with minimal disruption | |
| Costs of restoring data and equipment – such as the loss of customer data |
What cannot be covered:
| Client’s reputational damage – for example, professional indemnity insurance would not cover if your negligence results in your client needing to spend costs to recover from reputational damage | |
| Existing legal issues – for example, legal expenses insurance does not cover the costs of any legal issues which already exist when you secure the insurance | |
| Human error – for example, cyber insurance would not cover any data breaches or cyber-attacks caused as a result of human error |
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Frequently asked questions
These frequently asked questions are designed to help you and include questions relating to policy cover, pricing and ‘technical’ terms.
Browse all FAQsThe level of professional indemnity insurance you need depends on various factors, including the size of your company and the level of risk associated with your unique business operations.
No, IT contractor insurance is not a legal requirement in the UK. However, some industries or clients may prefer you to secure this insurance before beginning a professional relationship.
If you have any employees, you are required by UK law to hold employers’ liability insurance cover.
If you have any questions, contact one of our insurance experts here.
Further reading for IT contractors' insurance
Understanding the different types of business insurance
Written by Michael Lawrence
What is professional indemnity insurance?
Written by Michael Lawrence