IT & Technology Consultants
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Can Cyber and Data Breach cover be included with IT Liability Insurance?
Last Updated: September 16, 2026Cyber-related cover can sometimes be included within IT Liability or technology insurance policies, but the scope varies and should not be assumed to be equivalent to standalone Cyber Insurance.
I am an IT subcontractor. Do I need my own insurance?
Last Updated: September 16, 2026IT subcontractors should not assume they are insured under a client's policy. Contract terms, policy wording and whether the subcontractor is actually an insured should be checked.
I do not write code or software. Do I still need Professional Indemnity Insurance?
Last Updated: September 16, 2026Professional Indemnity exposure is not limited to software development. IT advice, implementation, systems integration, managed services and other technology services can still create professional liability exposures.
What information do I need to provide for an IT Liability quote?
Last Updated: September 16, 2026An IT Liability Insurance quote generally requires information about the business, technology services, clients, contracts and insurance history.
What are some common insurance claims involving IT professionals?
Last Updated: September 16, 2026IT professionals can face claims arising from professional services, systems, data, technology projects and cyber incidents. The relevant insurance depends on the allegations and circumstances.
Are there any industry or contractual insurance requirements for IT Professionals?
Last Updated: September 16, 2026IT Professionals can face insurance requirements through client contracts, tenders, supplier panels and higher-risk industries, even though no single rule applies to every IT business.
What is the difference between IT Liability Insurance and standalone Professional Indemnity and Public Liability Insurance?
Last Updated: September 16, 2026IT Liability Insurance commonly combines Professional Indemnity and Public and Products Liability Insurance, while standalone policies insure those exposures separately.
What services can I be insured for as an IT Consultant?
Last Updated: September 16, 2026A broad range of IT and technology services can be insured where they are accurately disclosed to and accepted by the insurer.
What limit of Professional Indemnity cover does an IT Consultant require?
Last Updated: September 16, 2026There is no single Professional Indemnity limit suitable for every IT Consultant. The appropriate limit depends on services, clients, contracts and potential claim severity.
What type of insurance do IT Consultants commonly require?
Last Updated: September 16, 2026IT and technology businesses can use IT Liability Insurance or other structures to address professional, product and general liability exposures, with Cyber Insurance often considered separately.