IT professionals insurance packages from $995

This insurance package is designed for IT firms with a turnover under $1m.
Quote and buy online today.

Errors & omissions(up to $5m coverage)

Protects you if a disgruntled client or third party sues you because they think your business has done something wrong. Even if it hasn't.

General liability($1/$2m coverage)

Covers claims made against your business if a person's injured or their property's damaged.

Business property(up to $250,000 of coverage)

Coverage for your business personal property and the property of others (while in your care).

Business income(up to $250,000 of coverage)

Coverage for the costs and expenses (including lost income) you'd incur if you couldn't work in your usual place.
The wording is a PDF file.

Summary of coverage

A quick-reference, all-you-need-to-know guide to the insurance you're getting.

The wording is a PDF file.

Claims examples

A brief overview of some claims covered by this package of insurance.

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If you're generating more than $1m in income in a year you'd be best to talk to us about your insurance needs, call the team at 978.344.4200.

Switched-on protection

Technology is all about zeros and ones: it either works or it doesn't. At least that's what your clients think.

It's not that simple, of course, and problems can't always be turned off and on again. Trying to explain why can sound like an excuse and it doesn't take long for the accusations to start.

Thankfully, IT insurance protects you. One policy, zero worries.

Why do I need errors & omissions insurance?

You don't.

It'd be great if we could say that and mean it. But we can't.

Mistakes happen, accusations are made, lawyers get involved and clients want payback. Rightly or wrongly these things happen every day and, sooner or later, you could be on the receiving end.

A claim won't go away if you ignore it. And there are no shortcuts. You have to do something about it.

So, you need errors & omissions insurance because you have a business to run; because you have limited funds; because you're not legally trained; and because your reputation matters.

What else is there?

What does errors & omissions insurance cover?

Negligence claims and allegations made against you by clients and third parties, because of mistakes you've made and things you've failed to do.

Programming errors, improper selection, installation, or configuration of networks/systems, failure to maintain, and failure to meet the requirements of a contract (i.e. timelines and/or content) are common scenarios that lead to lawsuits for technology professionals.

Specifically (but depending on the policy wording) you'll be covered for:

  • Claims relating to any past work
  • Libel, slander, defamation (via personal injury coverage)
  • Copyright and trademark infringement (via intellectual property coverage)
  • Blanket additional insured endorsement availability
  • No restriction on coverage for regulatory actions

But that's not all. Some errors & omissions policies can fix a mistake before your client is even aware of it, thereby preventing a claim in the first place.

Clever stuff.

How much errors & omissions insurance do I need?

Errors & omissions insurance protects your business. No one else's.

So you have to decide what level of cover is enough for you. Consider what you do, who you do it for and how much it's worth. Think about worst-case scenario and what could go wrong. What's the most expensive mistake you could make (or be accused of making)?

Always bear in mind that you can't have too much cover. Your legal defence can cost many tens of thousands of dollars – and that's before the compensation bill from your client arrives. Your level of cover has to be enough to cover all of this.

It's a tricky one to get right. Therefore the package we provide via USLI gives $1,000,000 of cover for each claim and comes with a $0 deductible.

Do I need general liability insurance?

Yes, probably.

General liability is handy if you go out and about on business (eg, to meetings or to install equipment), or if visitors come to you.

It protects you if a third party claims you've damaged their property or injured someone. It's useful if you're clumsy, of course, but it's more useful combatting those who subscribe to 'where there's blame there's a claim'.

What coverage do I get for my business property?

This packaged policy provides coverage for damage to buildings, fixtures, fitting, permanently installed machinery and equipment, and applicances used for refrigerating, ventilation, cooking etc. You're also covered for the physical loss of property you own that is used for your business and the property of others that is in your care.

Why should I buy my insurance from you?

Glad you asked.

The simple answer is: we know what we're doing. e&o and business owners insurance is all we do so we know what you need, even if you don't.

We also know that buying insurance can be, well, a bit of a pain. So we make sure getting yours is quick and hassle-free.

We do all that while treating you like a human being, too. You won't find a call centre here. Or a phone menu. And we've banned nonsense insurance jargon.

If you're after a second opinion, have a look at our customers' feedback. They're the ones you should really listen to.

Buy online in minutes. Less admin, more business!
Instant quote
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Get an instant quote

Working in partnership with

USLI logo

A member of the Berkshire Hathaway Group,
A++ rated.

  • Buy online in minutes
    No forms, no fuss
  • Speedy service
    Less admin, more business
  • 24/7 claim reporting service
    Toll free, immediate assistance
  • $0 deductible
    For E&O and general liability

Insurance. Tricky isn't it?

Our advisor can help

I'm Maureen - I'm here to help you

For advice, a quote or just a quick question, feel free to call me.

I'm Maureen - I'm here to help you.

My direct line is: 978 344 4223.
Call me or request a quote and I'll call you back.