Insurance coverage for IT Consultants

Anyone who offers professional IT consulting services should have insurance coverage.

Protect your practice against claims of negligence, errors, or omissions with IT Consultant Insurance.

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Zensurance - IT Consultant

What is IT Consultant Insurance?

IT Consultant Insurance is a policy package specially designed for information technology professionals to protect against specific risks associated with their professions, such as negligence, errors, omissions, or third-party damages.

Mistakes can happen and disrupt your business in a matter of minutes. We know what makes your business unique; leave it to us to find the best fit for you.

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What does Consultant Insurance cover?

What does it cover?

A comprehensive insurance program for IT Consultants will typically include the following coverages:

What is the cost of Consultant Insurance?

Do IT consultants need insurance?

Any individual or IT company providing professional consulting services or advice should protect themselves with a custom insurance policy package. If a client determines your advice or service was less than satisfactory or resulted in a financial loss to them, they may take legal action.

Without the right insurance coverage, your practice may suffer severe financial stress due to a lawsuit.  Independent consultants and contractors are especially vulnerable.

We’ve insured more than 1,000 IT professionals. Some of our clients include:

  • IT Support Specialists / System Analyst
  • Computer Programmers
  • IT Security
  • Software Developers
  • Web Developers
What is the cost of Consultant Insurance?

How much does it cost?

For a small- to medium-sized IT consulting practice, you can anticipate spending $650.00 on a basic CGL policy with a $2,000,000 limit.

The following factors are taken into consideration when determining the best policy options for your practice:

  • Industry
  • Years of Experience
  • Number of Employees
  • Claims History
  • Annual and Projected Gross Revenue

When you fill out our online application, we will ask some questions about your business to better understand your requirements.

Getting insured is quick and easy!

Complete our 5-minute online application form for a free insurance quote.

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Common claims scenarios

IT contractor next to server

Problem: You were hired to implement a database server migration for a client’s network. In the transition process, you forget to backup the old server, which cause significant data loss. The client sues you for negligence and loss of income.

Outcome: Your Professional Liability Insurance policy covers the defense costs and monetary judgment, totaling $150,000.

cyber hacker

Problem: After providing IT security services for a client, a cyber hacker was still able to gain access to your client’s database and steals their personal information, including names, addresses, and credit card details.

Outcome: Your Cyber Liability Insurance covers the costs of legal expenses and the cost to restore your client’s data system, totaling $450,000.

injured client

Problem: A client visits your business office for a  consultation, but falls and injures themselves on the way up the stairs.   

Outcome: The client successfully sues you for bodily injury. Your Commercial General Liability Insurance (CGL) covers the medical expenses and legal fees, totaling $25,000.

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