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Insurance for IT contractors

Get protected from $16.50 a month

Quote online and buy in minutes

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Quick & easy

Flexible payments

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Insurance for IT contractors

Get protected from $16.50 a month

Get my quote

Quick & easy

Flexible payments

Friendly advisors

Choose your cover, protect your business
Professional liability (errors & omissions) insurance
From $16.50a month
To protect you against claims relating to your work resulting from your services and claims of negligence even if you haven’t made a mistake.
General liabilityinsurance
From $25.99a month
Protection against damage to someone else’s property, injury to a third party (not resulting from your services) and related costs, legal defense costs even if the lawsuit is groundless and more...
Add on business personal property (BPP) insurance to protect your tools and equipment on-site.

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Sophisticated coverage without the 404

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

In fact, the majority of the products or services you offer are likely to be highly complex, with countless opportunities for error.

The fact that your client may lack the technical knowledge to realistically evaluate the solution you deliver can compound the problem.

  • Why do IT professionals need liability insurance?

    The clue's in the name. Professional liability insurance is for people like you, who provide a professional service.

    Because despite your expertise and your best efforts, mistakes can happen and disagreements with clients can arise.

    Under a single contract you could be asked to develop software, supply hardware, design an integrated system and even install the equipment.

    The solution is simple. Professional liability insurance covers all these essential sources of revenue.

    What's confusing, is it's also known as errors and omissions insurance – or E&O, for short. Don't worry, it does exactly the same thing – protects you.

    If a client does claim against you, you're covered for legal defense costs and any damages you're liable for.

    Insurance for IT contractors through InsuranceBee; one policy, zero worries.

  • What does our IT contractor insurance cover?

    We provide coverage for:

    • errors and omissions – whether actual or alleged
    • claims and damages
    • defense costs – including appointing an attorney, if necessary
    • claims arising from past work
    • worldwide coverage – as long as the claim is filed in the United States, a US territory or Canada.
  • What other kinds of insurance do IT contractors need?

    Do you work at your clients’ offices? Do they come to yours? Then you want to protect your business from slips, trips and falls suits. General liability insurance can cover medical bills, legal expenses and compensation, if you’re liable.

    Business personal property insurance covers your office equipment. Like your cell and the mobile devices you take with you on contract. It also protects the moveable stuff in your office. From your servers to your staplers.

    Got anyone working for you? Most states require you to have workers’ compensation insurance the minute you hire your first employee. It’s good to have anyway. The cost of workplace injuries can cripple your business. Workers’ comp takes care of medical bills, lost wages and legal fees, if you’re sued.

    You know, better than anyone, what hackers are capable of. If they want to get into your systems, they will. Having cyber liability insurance gives you peace of mind. It means you can focus on your client’s defenses knowing that if you’re hacked, the recovery costs are covered. Your reputation safe, it’ll be business as usual.

What other kinds of insurance do IT contractors need?

Business personal property insurance (BPP)

If you take equipment like laptops and mobiles to meetings, this policy is worth having. It also covers the portable stuff in your office - from your furniture to your potted plants.

More info

Business owner's policy (BOP)

Comes with general liability, property, and business equipment insurance as standard. Plus, a range of optional add-ons, including coverage for:

  • Equipment breakdown
  • Money transfer fraud
  • Electronic data loss.
More info

Cyber liability insurance

If you use email, own a website, or store client data, cyber insurance is a must. It can’t stop a cyber-attack, but it can pay your recovery costs so your business survives from one.

More info

Workers' compensation insurance

Most states require you to have this policy even if you only have one employee. It’s good to have anyway. It protects your business from the cost of workplace illness and injury claims which can be crippling.

More info

Because we understand every business is different, we'll build an insurance package to suit your needs. In minutes.

To build the right insurance package for you call one of our licensed advisors today on 978.344.4215.

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Prefer to talk?

For help, support or just a quick question, feel free to call me.

I'm Deniel - I'm here to help you Monday to Friday, 9am-5pm ET.

My direct line is 978 344 4229.

Deniel

Deniel Fleming
Account Executive

phone icon 978 344 4229

Get protected from $16.50 a month

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