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Business Insurance for IT Consultants

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Why do IT consultants need business insurance?

IT consultants are tasked with improving the efficiency of your clients' systems, but an error can lead to downtime or worse. Insurance for IT consultants can help cover client lawsuits, medical bills, property damage, and other risks.
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Get the right coverage quickly

TechInsurance helps IT consultants compare insurance quotes from top U.S. providers with one easy online application.

6 policies every IT consultant should consider

Clients, landlords, or state laws may require insurance for an IT consultant. Business insurance can prevent financial losses in the event of an injury, property damage, lawsuit, or data breach.

Errors and omissions insurance (E&O)

Errors and omissions insurance icon

This option can help pay for lawsuits over mistakes made by an IT consultant. You may also see E&O coverage referred to as professional liability insurance.

BEST FOR
  • Issues with IT software or equipment
  • Bad advice that damages a client
  • Accusations of negligence

Cyber liability insurance

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This policy pays for recovery from data breaches and cyberattacks. It also covers legal costs if you're accused of failing to prevent a data breach at a client's business.

BEST FOR
  • Lawsuits from clients affected by a breach
  • Notifying affected clients about a breach
  • Fraud detection and monitoring

Fidelity bonds

Fidelity bond icon

A fidelity bond protects your IT consulting business if a client accuses one of your employees of theft or fraud. It’s also called an employee dishonesty bond.

BEST FOR
  • Unlawful data access by a consultant
  • Illegal electronic funds transfer by a consultant
  • Other employee theft or fraud

Business owner’s policy (BOP)

Business owner’s policy icon

A BOP bundles general liability insurance with commercial property insurance. Many providers offer IT consultants a discount if they choose this policy.

BEST FOR
  • Accidental client injuries at your office
  • Accidental damage to client property
  • Damaged or lost business property

General liability insurance

General liability insurance icon

This policy protects your IT consulting business from basic risks that most small businesses face. It's often required by client contracts and commercial property leases.

BEST FOR
  • Accidental client injuries at your office
  • Accidental damage to client property
  • Libel, defamation, and copyright lawsuits

Workers’ compensation

Workers’ compensation insurance icon

State law usually requires IT consulting businesses that have employees to purchase this policy. It helps pay medical costs from work injuries and illnesses.

BEST FOR
  • Medical bills for employee injuries
  • Partial wages while the employee recovers
  • Lawsuits over work injuries

Looking for different coverage? Check out our other policies.

Insurance costs for tech professionals

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Median costs come directly from policies purchased by TechInsurance customers.

General liability: $28 per month
Errors and omissions: $61 per month
View more sample costs.

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Why IT consultants choose TechInsurance

Protect against common risks

A lawsuit or data breach can devastate your IT consulting business. Prevent financial losses with policies tailored for your needs.

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