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Cyber, Legal or Indemnity? The Insurance Stack That Keeps IT Contractors Covered
Working as an IT contractor often comes with the freedom to choose projects, clients, and locations. But with this independence comes responsibility.…
IT Contractor & ConsultantInsurance
IT Contractor & Consultant Insurance
Professional indemnity and cyber cover built for IT contractors and consultants, covering the coding errors and system failures that come with client work.
Professional indemnity and cyber cover built for IT contractors and consultants, covering the coding errors and system failures that come with client work.
Coding errorsData breachesLaptops & kit
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What is IT contractor insurance?
IT contractor insurance is a combination of covers built around technical work for clients, professional indemnity for advice or work that causes a client a financial loss, public liability for injury or damage, and cyber cover if you handle client systems or data.
One policy. Multiple risks. A coding error, a missed deadline or a system outage can all lead to a claim, whether you work through your own company or as a sole trader.
The right IT contractor cover depends on:
Whether you work on-site or remotelyAccess to client systems or dataNumber of employeesValue of your equipmentAnnual turnoverWhether you use subcontractors
Cover that fits the way you work
Cover that fits the way you work
Client contracts and system access bring their own everyday risks.
Client contracts and system access bring their own everyday risks.
RecommendedProfessional Indemnity
Protection if your advice or work causes a client a financial loss.
RecommendedEmployers’ Liability
A legal requirement once you employ any staff, even casual help.
RecommendedCyber Insurance
Covers costs following a data breach or cyber incident.
RecommendedBusiness Interruption
Support for loss of income if an insured event stops you working.
OptionalBusiness Equipment
Cover for laptops, servers and other equipment.
OptionalPublic Liability
Protection if you injure someone or damage property while working on-site.
What could go wrong for an IT contractor?
What could go wrong for an IT contractor?
Most IT contractor claims come from a coding error causing a client system to fail, a data breach, a missed deadline, or equipment stolen from a vehicle.
Most IT contractor claims come from a coding error causing a client system to fail, a data breach, a missed deadline, or equipment stolen from a vehicle.
Is this cover right for your work?
This type of business insurance may suit you if you work in IT on a contract or consulting basis.
The right cover depends on:
Independent IT contractorsIT consultants working through their own companySoftware developersIT contractors with multiple clientsRemote or on-site contractorsContractors with employeesReal-world risks. Real-world protection.
Real-world risks. Real-world protection.
A coding error, a data breach, equipment theft and a site injury are the four IT contractor scenarios insurers see most. Each responds to a different cover.
A coding error, a data breach, equipment theft and a site injury are the four IT contractor scenarios insurers see most. Each responds to a different cover.
Coding error
A bug in your code causes a client’s system to fail.
Potential cover
Professional Indemnity
Data breach
A vulnerability in your work exposes client data.
Potential cover
Cyber Insurance
Equipment theft
A laptop holding client data is stolen.
Potential cover
Business Equipment
Site injury
You injure someone while working at a client site.
Potential cover
Public Liability
How much does IT contractor insurance cost?
There’s no fixed price. Day rate, contract length and the indemnity limit your clients require are the biggest factors for IT contractors.
Type of work
Systems architecture and development carry different risk to support work.
Access to client systems
Handling sensitive systems or data can affect your cyber premium.
Number of staff
More employees increase your employers’ liability exposure.
Annual turnover
Higher turnover generally means a higher premium.
Level of professional indemnity
Higher limits mean a higher premium.
Claims history
A clean claims record helps keep premiums down at renewal.
How the quote process works
How the quote process works
Getting IT contractor insurance takes four steps: tell us about your work, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
Getting IT contractor insurance takes four steps: tell us about your work, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
1
Tell us about your work
What you do, and who your clients are.
2
Tell us what you need
Which covers matter most to you.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
IT contractor insurance guides
IT contractor insurance guides
Day rates, contract indemnity limits and cover for equipment on the move.
Day rates, contract indemnity limits and cover for equipment on the move.
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IT contractor & consultant insurance FAQs
IT contractor & consultant insurance FAQs
Straight answers on cover, client contracts and cost.
Straight answers on cover, client contracts and cost.
IT contractor insurance is a combination of covers built around technical work for clients: professional indemnity for advice or work that causes a client a financial loss, public liability for injury or damage, and cyber cover if you handle client systems or data.
Still have questions?
Our advisers are here to help you find the right solution.