IT Contractor Insurance
Easy, quick and personalised business insurance for IT contractors and IT consultants.
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IT contractor insurance offers comprehensive cover to provide you with the peace of mind you need to complete your work without worry.
In the world of IT contracting, the complex work you undertake is different to most other professions. With this in mind, your business insurance needs to be able to meet those complexities. The Information Technology sector is open to misinterpretation and many people don’t understand the nature of the work of IT professionals.
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What does IT Contractor insurance cover?
Alleged professional negligence
You have worked on a IT project that does not work as your client expected it to, or does not meet your clients’ requirements, causing operational disruption and additional financial costs to resolve the problem. The client pursues a claim against you to recover their losses.
Intellectual property dispute
A competitors alleges that you copied their content and code to use in your clients’ systems. The competitor takes legal action against you for damages.
Breach of contract
A breach of contract can include you missing an agreed deadline for delivery of a IT project you are contracted for, or it can be that for some reason you are unable to fulfil an agreed contract and need to terminate the contract early.
You cause an accident while working onsite
You are contracted to work onsite in a clients’ office. Your laptop cable is exposed and causes a member of staff to trip over, injuring their wrist while breaking their fall. A claim is made against you for causing the to pursue damages for loss of earnings as the employee could not work. This instance would be covered by Public Liability insurance.
What is IT contractor insurance?
IT Contractor insurance is designed to protect IT professionals and IT consultants against the unexpected – for example, something going wrong during a project for a client.
The insurance policy will provide cover to protect you and your business against the legal implications that may arise if you make a mistake during the course of your work, or if someone was to be injured due to an error on your part.
Why do IT contractors and IT consultants need insurance?
As an IT expert, your expert knowledge of systems and technologies will be relied upon by your client, which brings with it a high element of business risk.
Your client may expect you to be able to manage a IT project from end-to-end and deliver it on time and to budget. If you, as a contracted worker, cannot meet your clients’ requirements they may seek to blame you and take legal action, which could affect you both financially and personally.
Caunce O’Hara IT Contractor is designed, with this type of scenario in mind, to provide you with the protection you need so you can work with peace of mind that you’re covered.
How much does IT Contractor insurance cost?
With Caunce O’Hara’s intuitive online quote and buy system you can get an indicative quotation for your IT Contractor insurance in a matter of minutes.
As an example: an IT Contractor with an annual turnover of between £75,000 to £100,000, who needs Professional Indemnity insurance with an indemnity of £500,000 of cover (in any one claim) would pay as little as £192.00 per year. That’s only £16.00 per month, which we think represents good value considering the level of cover and peace of mind that you benefit from.
Start your quoteWhy choose Caunce O'Hara for your business insurance?
As freelance insurance experts, we're your number one choice for your business protection.
Trusted by over 23,000 clients for their business insurance.
Immediate cover available, with documents issued via email in minutes!
Over 25 years’ experience of insuring self-employed professionals, including freelancers, contractors, and small business owners.
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Frequently Asked Questions
Yes. Once you take out a policy with us you will receive your policy documents via email.
Caunce O’Hara can cover your past work if you have carried uninterrupted professional indemnity insurance before taking out a policy with us.
Examples of where past work would not be covered include:
- You have never held professional indemnity insurance before
- You chose not to renew a past insurance policy
- You decided to cancel a policy at the end of a contract
In many cases your regulatory body, or your contract, will determine the indemnity limit you need. However, if you are still unsure, then it is worth considering the potential cost of correcting a worst-case scenario.
Caunce O’Hara offer a range of cover limits to meet your contractual obligations.
Professional Indemnity and Public Liability cover different types of liabilities. It is worth considering taking out both policies.
Professional Indemnity insurance is designed to cover claims of professional negligence, such as incorrect advice that causes your client to lose money.
Public Liability covers third-party illness or injury claims, or property damage, where you are deemed to be liable.
Caunce O’Hara is authorised and regulated by the Financial Conduct Authority under firms reference number 306183. To verify this visit www.fca.org.uk/register.
Contact us
Call 0333 321 1403
Our understanding of the freelance sector and the challenges you face daily, enables us to tailor our insurance products to meet your needs. Contact us to talk about your insurance requirements and to better understand the insurance we offer.
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