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Compare Quotes →Coverage questions for this industry
IT consultants can face professional liability, cyber, technology errors, client data, and contract insurance requirements. Insurance needs usually depend on contracts, state rules, employee status, business vehicles, customer interaction, equipment, property, and whether advice or professional services are involved.
Common policies to research
Ask how this coverage applies to it consultant insurance guide and what exclusions or endorsements may matter.
Ask how this coverage applies to it consultant insurance guide and what exclusions or endorsements may matter.
Ask how this coverage applies to it consultant insurance guide and what exclusions or endorsements may matter.
Ask how this coverage applies to it consultant insurance guide and what exclusions or endorsements may matter.
Ask how this coverage applies to it consultant insurance guide and what exclusions or endorsements may matter.
Ask how this coverage applies to it consultant insurance guide and what exclusions or endorsements may matter.
Risk signals to discuss
- Software projects
- Security issues
- Client systems
- E&O
- Cyber
Before comparing quotes
Prepare annual revenue, payroll, subcontractor use, location, vehicle details, equipment values, prior claims, and copies of contracts requiring insurance. If a client asks for additional insured status or a certificate of insurance, show the exact wording to a licensed professional.
Cost factors to organize
Common quote factors include state, industry, years in business, annual revenue, payroll, prior claims, number of employees, subcontractor usage, vehicle use, coverage limits, deductible choices, property values, and whether customers or workers visit job sites. Keeping these details consistent across quote requests makes comparisons more useful.
Frequently asked questions
What insurance does an IT consultant need?
Most IT consultants carry professional liability (tech E&O), cyber liability, and general liability. Tech E&O and cyber are often combined into one technology errors and omissions policy.
How much does IT consultant insurance cost?
Solo IT consultants typically pay $60 to $150 per month for a combined tech E&O and cyber policy. Adding general liability is usually another $25 to $50 per month.
What is the difference between tech E&O and cyber liability?
Tech E&O covers claims that your work product failed to perform as promised, causing the client a financial loss. Cyber liability covers data breaches, ransomware, notification costs, and regulatory fines.
Does my policy cover me if a client gets hacked after I set up their network?
Tech E&O typically responds if the breach is alleged to result from your work, design, or advice. Cyber liability handles the client's own breach response costs. Many policies bundle both for this reason.
Do client master service agreements require specific insurance limits?
Yes. Enterprise clients commonly require $1M to $5M in tech E&O and cyber, plus general liability, with named-insured endorsements and waiver of subrogation language. Read MSAs carefully before signing.
Am I covered when using open-source software in client projects?
Some tech E&O policies exclude intellectual property claims related to open-source license violations. Confirm the policy includes IP infringement coverage if you ship code that incorporates third-party libraries.
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