IT Consultant Insurance

Q: Is IT consultant insurance required by law?

Most states require you to carry workers’ compensation insurance if you have employees. There also may be licensing requirements that require certain liability coverages. We recommend checking with your state and local governments.

Q: What should I consider before buying IT consultant insurance?

If you’re thinking of buying insurance, we recommend having the following information when using our IT consultant insurance calculator:• The state where you do business• Your type of business or trade• Your annual revenue estimatesThis information can make it easier to get a quote from one of our insurers in under 10 minutes.

Find out which IT consultant insurance coverage you need. Compare policies from leading national insurance providers. Get a quote in minutes.

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IT Consultant Insurance

Find out which IT consultant insurance coverage you need. Compare policies from leading national insurers. Get a quote in minutes.

Get a Quote

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Why Does an IT Consultant Need Insurance?

As an IT consultant, your work keeps businesses connected and protected. But one unexpected glitch could cause a system crash or data loss. IT consultant insurance can help protect your business from costly setbacks so you can stay focused on solving your clients’ toughest tech problems.

What Type of IT Consultant Insurance Do I Need?

Professional Liability

Coverage for damages and legal costs due to mistakes or negligence claims.

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General Liability Insurance

A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.

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Workers’ Comp Insurance

Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.

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Business insurance —
a one-minute explanation

Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.

Video transcript

As a small business owner you do a lot, just like general liability insurance. General liability can help provide financial protection in the event of, well, unfortunate events. Like injury or damage to another person or their property, advertising injury and product liability, medical payments, and more. Without general liability insurance, you know who’s likely on the hook for that: you, and that could cost you a bundle- as opposed to a good general liability policy. Even if you did nothing wrong, you can still find yourself paying for legal fees and a lawsuit. And getting covered is easy and fast with us. Spend a few minutes online or on the phone we can help find you a policy among the top insurers out there. When it comes to getting you covered, we can do a lot, just like general liability insurance.

What Does IT Consultant Insurance Cover?

A damaged laptop, a potential negligence claim, or a jobsite injury — the right coverage can help safeguard your business and peace of mind. Here’s how IT consultant insurance can protect you from these common risks:

Honest mistakes and negligence claims

A client blames your software recommendation for lost sales after a system crash. Professional liability insurance, also known as errors and omissions, could help cover the cost of resolving the dispute and help protect you against a negligence claim.

Damage to someone else’s property

Imagine you’re working onsite with a client installing new hardware and you accidentally drop their laptop. The computer is physically damaged, and your client sues you for the replacement cost. A general liability policy could help cover those types of third-party accidents.

Care for sick or injured employees

Your assistant trips over a loose network cable and sprains their ankle. Workers’ compensation insurance can help cover the medical bills and provide wage replacement as they recover.

Workers’ comp is often legally required and can protect your business from costly claims, as well as taking care of your crew if they get sick or injured on the job. Even if you operate solo, we recommend workers’ comp, since many health insurance policies won’t cover work-related injuries. It’s best to check the requirements for your specific state and location.

How Much is IT Consultant Insurance?

Try our IT consultant insurance calculator.

Get a quick estimate in just 3 steps.

How Much is IT Consultant Insurance?

Try our IT consultant insurance calculator. Get a quick estimate in just 3 steps.

Answers to More IT Consultant Insurance Coverage Questions

Is IT consultant insurance required by law?

How much does IT consultant insurance cost?

The cost for your IT consultant insurance coverage is largely determined by the type of work you do, the types of risks you’re exposed to, and the number of employees you have.

Some other factors can include where your business is located, how many years of experience you have, and your annual revenue.

We can help find the coverages and prices online for IT consultant insurance coverage in just 10 minutes right here.

What should I consider before buying IT consultant insurance?

Why work with Simply Business?

Small business insurance is what we do. Whether it’s covering you for accidents and mistakes, meeting workers’ comp requirements, or protecting your tools and equipment, we can help find the coverage you need for your electrician business.

We provide customized coverage options and quotes from top-rated small business insurers — all in just 10 minutes. More than 1 million small business owners worldwide trust us with their insurance, and we consistently earn high customer ratings and reviews.

Feel confident in your choice.

We partner with a range of top-rated carriers and use smart technology to match you with policies that fit your specific business, your risks, and budget.

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