IT Consultant Insurance
Coverage shaped around the technical and advisory exposures of IT consulting.
What this coverage is intended to address
- ✓Allegations that a configuration error, faulty recommendation, or implementation mistake caused a client downtime or loss — addressed through professional liability insurance, also called Errors & Omissions (E&O) insurance
- ✓General liability for third-party bodily injury or property damage, such as at a client site during an on-premise install
- ✓Claims that a missed deadline or incomplete deliverable disrupted a client's operations
- ✓Defense costs that may arise from a dispute over your technical work, in the event of a covered claim
Coverage products commonly considered
Most it consultant operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- A client alleges that a consultant's misconfigured backup led to lost data during an outage — professional liability / E&O is intended to respond in the event of a covered claim.
- While installing hardware at a client office, a consultant trips a cable run and damages networking equipment. General liability may help respond to a property-damage allegation of this nature.
Frequently asked questions
What kind of insurance do IT consultants usually carry?
Many carry professional liability insurance, also called Errors & Omissions (E&O) insurance, since the core risk is an allegation that their technical advice or work caused a client harm. General liability is often paired with it for on-site exposures.
Does E&O respond to data-loss allegations?
Allegations that an error in your work led to lost data or downtime are the type of claim professional liability / E&O is generally intended to respond to in the event of a covered claim. Specific terms vary by carrier.
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