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IT Contractor Insurance
Insurance for IT contractors
Tailored insurance for IT professionals
Protect against claims made by clients and the public
Bionic is the comparison site for your small business
We compare a vetted panel of trusted business suppliers
Bionic specialises in business insurance for small businesses, sole traders and partnerships
Get tailored cover to protect against claims from customers and the public
Get the protection you need with no needless extras
What is...
IT contractor insurance?
Whatever project you’re working on, as an IT contractor you're likely to run into different types of risks. You can do what you can to reduce them, but they can’t be eliminated completely.
A client could sue over incorrect professional advice you’ve given, or your expensive equipment could get stolen. Whatever the risk, it’s a good idea to have contractors’ insurance in place to help cover your back financially if anything were to go wrong.
It can help protect against unforeseen events and provides peace of mind so you can focus on getting the project done.
Why do IT contractors need insurance?
As an IT professional people rely on you for your expertise and the effects of giving the wrong advice or making an error on a project could be costly. You could run into the following issues:
- A client claims your advice led to financial loss
- Your tech equipment is stolen or damaged
- A fire or disaster damages your office or workspace
- You suffer an injury that prevents you from working
Some clients may also insist you have the right insurance before starting a job, therefore, it’s essential to have sufficient insurance for securing new trade.
What types of IT consultants can get cover?
We can help insure many different types of specialist IT contractors including (but not limited to):
- Software developers and programmers
- Systems architects and engineers
- Network administrators
- Database administrators
- IT project managers
- Cybersecurity consultants
- Cloud computing specialists
- DevOps engineers
- Technical support specialists
- Web developers and designers
Can’t see your industry? It’s likely we might still be able to help. Start a quote online today and a member of our insurance team will be on hand to talk through your specific needs.
What does IT contractor insurance cover?
Policies will vary per provider, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded. Your insurance package could include:
Public liability insurance
In case you injure someone or damage something while providing your services
Professional indemnity insurance
In case a customer sues you for damages because of a mistake in your work.
Product liability insurance
In case a product you have sold, manufactured, or designed injures someone or damages something
Legal expenses insurance
To cover the cost of the legal expenses of any claims you make or that are made against you
What isn’t covered?
You’re unlikely to be able to claim on your insurance policy for every issue you come across, similarly, there will be events where clients cannot claim against you.
Although exclusions and policy wording vary per insurer, generally, the following is not covered:
- Purposeful negligence or workmanship
- Deliberate acts
- Normal wear and tear and gradual deterioration of equipment
How much does IT contractor insurance cost?
It’s difficult to give a solid figure if what you’ll be paying. Costs depend on a number of factors, including:
- Extent of cover - The more cover you opt for, the more expensive your package is likely to be.
- Location – Where you work is taken into consideration when working out the price of your premiums. For example, some areas have a higher likelihood of theft than others.
- Claims history - Whether or not you’ve had previous claims made against you or you have made previous claims may affect your future premiums.
Get IT contractor insurance today with Bionic
At Bionic, we champion UK business owners as they’re the backbone of the UK economy and want to help in every way we can. That’s why we use a team of knowledgeable insurance brokers who work with a panel of trusted insurers to find you the right cover.
Our UK-based team helps business owners daily to compare insurance quotes to find the insurer that fits.
Tech-savvy insurance for IT professionals. Protect your expertise with cover designed for digital contractors.
Insurance Director, James Barwell
How Bionic business Insurance comparison works
Compare business insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and talk any questions through with our team.
What do I need to get started?
You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
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