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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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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)
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
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
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)
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
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
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
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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