IT & Technology Consultants
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Can I arrange cover for Cyber & Data Breach risks as part of my Insurance?
Last Updated: December 29, 2025Yes. In some cases, cyber and data breach risks can be included as part of an IT Liability or Professional Indemnity policy. This depends on the insurer, the policy wording, and the type of technology services your business provides. Cyber-related coverage under an IT Liability policy is typically limited and intended to respond when a cyber event is directly connected to your professional services. This may include claims arising from data breaches, system failures, or errors in the IT services you provide to clients. It is not the same as a standalone Cyber Insurance policy, which is designed to respond to a broader range of cyber events. Some insurers offer Cyber Insurance as part of a packaged policy, typically under Section 3 (or similar) cover. CFC Underwriting is a good example of a Technology insurance provider that can arrange Professional Indemnity, Public Liability and Cyber Insurance, all in the one policy. Where cyber cover is included under an IT Liability policy, it may assist with: Claims alleging failure to protect client data Liability arising from data breaches linked to your services Privacy breaches connected to IT advice or technology services Certain costs that occur when a cyber event results in...
I am a Subcontractor – Do I need my own Policy, or am I covered by my client’s Insurance?
Last Updated: December 29, 2025In most cases, IT subcontractors are not fully covered by their client’s insurance. Even when you are working under a larger contractor or as part of a broader project, a claim can still flow back to you personally. As a result, most IT subcontractors need to have their own insurance in place. This applies whether you operate under an ABN, as a company or trust, and whether you work as a developer, consultant, managed service provider, or project-based technician. It is especially important if you subcontract to another IT provider, agency, or consultancy rather than contracting directly with the end client. Client insurance is usually not enough because: Most IT Liability and Professional Indemnity policies only cover the insured business and its employees Subcontractors are often excluded or required to hold their own equivalent cover Even if a client’s policy responds, their insurer may recover costs from you if the issue arose from your work If you work for multiple clients, relying on a single client’s policy creates gaps in coverage. A client’s insurance will usually only apply to work performed for them and will not protect you across other projects or overlapping engagements. In some cases, larger contractors arrange...
I do not write code or software – do I still need Professional Indemnity Insurance?
Last Updated: December 29, 2025Yes. Even if you do not write code or develop software, you can still be exposed to claims arising from the services you provide. IT Liability Insurance is designed to cover a combination of Professional Indemnity and Public Liability risks for IT and technology-based services. You may still need IT Liability Insurance if your work includes: Providing IT advice or recommendations Project management or system implementation Configuring, integrating, or supporting software or platforms Managing systems, networks, or data Acting as a consultant or technical advisor Clients often rely on this type of work to make important business decisions or to operate their systems. If something goes wrong, even without writing code, you could still be held responsible for financial loss or third-party claims. IT Liability Insurance can help respond to claims alleging financial loss from your services, as well as certain third-party injury or property damage arising from your work. This is especially important when contracts require you to hold IT Liability cover, or when your role affects how a client’s systems or business operate. If you are unsure whether your services create exposure, or whether IT Liability Insurance, contact us to speak to an expert. We can review the...
What are some common claims that IT Professionals experience?
Last Updated: December 29, 2025IT professionals can face a wide range of claims, even when they are experienced, careful, and have clear contracts in place. Many claims arise from misunderstandings, system performance issues, or how a client relies on the services provided. Common claims experienced by IT professionals include: Failure of a new system to integrate properly with a client’s existing environment Software bugs, configuration errors, or defects that cause downtime or system issues Alleged breach of contract due to project delays, missed milestones, or incomplete delivery Lost, corrupted, or inaccessible data during system migrations, upgrades, or updates Cyber incidents such as hacking, malware, or ransomware affecting client systems Claims from third parties who relied on incorrect advice, reporting, or system outputs Even when a contract clearly defines scope and responsibilities, disputes can still arise. Clients may have different expectations regarding performance, timing, or outcomes, and issues often occur after a system goes live. IT Liability Insurance is designed to help protect against these types of claims by responding to allegations of financial loss arising from your services, as well as certain third-party claims connected to your work. If you would like to understand how these risks apply to your business, or whether your...