Insurance for IT Consultants

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Why do IT Consultants need insurance?

IT Consultants offer businesses important advice and services that help them create, manage, and protect their computer systems. Managing client expectations while providing your services can be challenging. That’s why many IT Consultants seek business insurance that is reliable and customized to their profession.

BizInsure can help you get affordable and dependable insurance tailored to your needs as an IT Consultant. Click or call us to compare free quotes today.

Did you Know?

If you’re an IT Consultant working as a sole proprietor, you are personally responsible, both legally and financially, for all aspects of your business. The right insurance policies help protect you if things go wrong!

IT Consultants insurance covers a broad range of professions

We help insure different types of IT Consultants and businesses, such as:

  • Application Development
  • Computer Consultant
  • Computer Programming Services
  • Database Administrator
  • IT Software/Hardware Training Services
  • Website Design
  • Other Technology Services
  • And many more

Professional Liability Insurance for IT Consultants 

Professional Liability insurance is often essential for small businesses that provide their clients with professional services or advice. This type of policy helps protect IT Consultants against claims of financial loss related to the advice, recommendations, or service they provide.

A Professional Liability insurance policy can help shield IT Consultants against claims of negligence, bad advice, missed deadlines, and other common risks resulting from the services they provide.

The IT world changes fast. If you accidentally give a client outdated advice or provide software code with errors, you could be left open to a lawsuit or claim. Your Professional Liability policy helps protect you by covering defense costs and resulting damages that may incur as a result of your work.

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General Liability Insurance for IT Consultants 

Professionals working as IT consultants are often required to have a General Liability policy in place before they can start working with a customer. It is the most basic form of business insurance that a business or individual should consider.

General Liability is designed to protect you against allegations of bodily injury or property damage made by a third party. It can cover related medical costs if a customer or other member of the public gets hurt or provide compensation if their property is damaged.

As an IT Consultant, you work closely with other people and may frequently enter clients’ offices or workspaces. Sooner or later, you may face a minor (or major) accident that is potentially costly. General Liability can be an important part of protecting your business assets.

Business Owner’s Policy for IT Consultants 

A Business Owner’s Policy (BOP) is an affordable and convenient way for IT Consultants to combine General Liability insurance with other types of coverage for their business. This may include protecting your business property (computers, equipment, etc.), business interruption protection, non-owned business auto liability, and more.

There are many common liabilities and unplanned events that could affect you as an IT Consultant. A Business Owner’s Policy (BOP) is a simple and efficient way to protect your business assets, so you can focus on your clients.

Frequently Asked Questions

What is Professional Liability insurance for IT Consultants?

Professional Liability insurance is one way that many IT Consultants protect their business. These policies cover many types of professional wrongdoing, including:

  • Mistakes
  • Omissions
  • Undelivered services
  • Missed deadlines
  • Negligence
  • Breaches of contract

 

If your work as an IT Consultant causes a client to suffer a financial loss, you could be found liable. Your Professional Liability insurance policy pays your legal expenses resulting from a liability lawsuit. This includes attorney’s fees, miscellaneous court costs, settlements, and judgements.

Professional Liability insurance helps IT Consultants create a safety net for their small business. Rather than use your business finances (and possibly your personal savings) to defend yourself in court, your Professional Liability policy will cover these legal costs for you. This could save you thousands of dollars and potentially save your business from bankruptcy and closure.

Importantly, Professional Liability insurance for IT Consultants protects you against claims brought without merit, which can be just as expensive to defend against as claims that do.

How much does business insurance for IT Consultants cost?

No two IT Consultants are alike in the services they provide and the makeup of their business. The price of business insurance for IT Consultants can vary widely for this reason.

When applying for any type of business insurance, you will be asked questions about your business and activities to help determine what coverages you may need based on the risks you are likely to face.

Factors that may determine the cost of your business insurance include:

  • How much revenue your business produces
  • Your risk management procedures
  • Your claims history
  • How much coverage you want or need

 

These factors, along with others, help insurers calculate how much you can expect to pay for insurance (also known as premiums). Getting multiple quotes from different insurers is often a reliable way to understand how much you will pay for business insurance as an IT Consultant.

How does IT Consultant liability insurance protect your business?

IT Consultants regularly do work that puts them at professional risk. If a client loses money due to your professional advice or services you provide, you could be found liable for their losses. The resulting lawsuit could be expensive, especially if it drags on for weeks, months, or years.

This could be financially devastating for you and your business. Without insurance, you could be forced to spend your hard-earned business capital, as well as your personal savings, to defend yourself in court. You might even be forced to file for bankruptcy or have to close your business forever.

IT Consultant liability insurance, otherwise known as Professional Liability insurance, can help protect your finances during a liability lawsuit. These policies commonly cover your:

  • Cost of hiring an attorney
  • Document filing and other court costs
  • Settlements
  • Judgements ordered by the court

 

With Professional Liability insurance, you can defend your professional reputation with less worry that the lawsuit will drain your business and personal resources.

Professional Liability insurance also protects you against baseless claims. A liability claim made without merit can be expensive to clear up in court. A Professional Liability policy can help protect your finances and professional reputation against alleged and genuine accusations.

The process was fast and easy and the professional staff was very knowledgeable with any questions that I had and ready to help
VALERIE M.
06:40 31 Mar 22
Friendly agents. Timely replies. Fair pricing. This is a good fit for my business! Thank you, Noah, for all your help.
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19:27 28 Mar 22
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00:41 07 Jan 22
Noa made sure I had all the information I needed for a first time business owner . He helped me understand what I needed to secure a quality policy and he was super helpful when explaining how the policy would serve its purpose to my company. I was very satisfied and had an Awesome experience, I think people like that make the company look good!
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04:36 15 Oct 21
I was in need of WC, GL and PL coverages for my business and was able to shop, discuss, confirm and purchase all the coverages in two days! This was a great experience, especially when "Time is Money". Noah Bowman was very professional and knowledgeable. Thanks!
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MOVING FORWARD, I WILL BE SENDING ALL OF MY BUSINESS TO THIS COMPANY !!!! Incredible customer service!!! Thanks
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19:49 09 Sep 21
Their representative clearly explained different kinds of policies to help me select the one appropriate for my needs and then helped me enroll by phone painlessly. By the end of the call, I had a policy in place.
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22:21 02 Sep 21
Eugene was Awesome!!!!
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17:19 21 Jul 21
Excellent solution for writers and authors professional liability policy as well as coverage for copyright and trademark infringement. Service was prompt and excellent.
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18:22 22 Jun 21
Done in less than an hour!
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00:30 02 Jun 21
Efficient, and great value. The agent was able to give us a quote and a new policy in a short period of time. Thank you
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18:50 26 Apr 21
I need a help getting errors and omissions insurance along with general liability. Jose was very friendly informative and was very patient with me during the process. He found me some of the best rates for the coverage that I needed. Highly recommend
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19:51 20 Apr 21
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21:00 07 Apr 21
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23:13 09 Mar 21
Mr. Daniel Scott was very responsive to my professional needs.
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17:38 18 Feb 21
Eugene deserves a raise! First time purchasing insurance and he made the process so simple for me. His patience and attention to detail left me feeling confident in my decision to choose BizInsure. Gracias Eugene!
Esined P.
23:32 17 Feb 21
The customer service provided by Jose was outstanding. He explained everything in a very clear/logical way and answered all of my questions. After providing all the information to obtain general liability insurance, Jose sent me the declaration page of the insurance for review. All of the information matched what I provided over the phone and there were no typos. The next day I called back to purchase the insurance which was easy and fast. Overall, my experience with BizInsure including the customer service by Jose exceeded my expectations.
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03:29 12 Dec 20
Hiscox/BizInsure made getting Liability Insurance very easy and reasonable.I expected it to be a long and complicated process and it was a nice surprise that they made it so uncomplicated. Thank you. Lisa
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23:26 12 Nov 20
Very quick to get in touch with you and good with follow up. Had some trouble retrieving my quote to log into my account initially but Daniel assisted me and the changes were made to get me into my account. Great value for the money.
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16:34 20 Sep 20
Very happy to be insured with this company. Professional, Timely, very helpful. Thank you Juan, you made it so much easier for me to understand.
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This company responded when I needed them to respond while facing a deadline. They are an excellent choice for business Insurance.
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01:52 12 Sep 20
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00:47 26 Aug 20
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22:12 23 Jun 17
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