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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 protects against client lawsuits, injuries, property damage, and other risks.
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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.

General liability insurance

General liability insurance icon

This policy protects you from basic risks that most small businesses face. It's often required by client contracts and commercial leases.

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

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
  • Accidental damage to client property
  • Damaged business property

Errors and omissions insurance (E&O)

Errors and omissions insurance icon

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

BEST FOR
  • Disruptions in IT systems
  • Mistakes in IT consulting
  • Accusations of negligence

Cyber liability insurance

Cyber liability insurance icon

This policy can help pay for recovery from a data breach or cyberattack. It can also protect IT consultants against lawsuits from clients affected by a breach.

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 when a client accuses one of your employees of theft. It’s also called an employee dishonesty bond.

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

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 from employee work injuries
  • Partial wages while 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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