IT consultant insurance

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Professional indemnity insurance for IT consultants UK
Professional indemnity insurance for IT consultants UK
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The problem

Self-employed IT consultants face many risks

Contract non-compliance

Most contracts you will engage with as an IT consultant will stipulate you must have and show proof of professional indemnity insurance.

Damage to your work equipment

You are likely to use your own laptop or computer for your work, if that gets stolen or damaged could you afford the repair or replacement costs?

IR35 enquiries and unpaid invoices

Depending if you use an umbrella company or contract directly you may be exposed to IR35 enquiries from HMRC. Regardless of how you're engaged you still could be subject to late or non-payment of invoices.

Accussation of causing a financial loss

An unhappy client may allege your advice or recommendation ended up costing them money which they now want to recover from you.

IT consultant insurance UK

You need IT consultant insurance that enables contract compliance, offers run off cover and has a competent legal defence in the event of a claim

the suited way
Insurance made better

Self-employed insurance done fast, clear and upfront.

IT consultant professional indemnity insurance
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More flexible

Make changes instantly, easily and for free.

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No extra fees

We give you one price, no APR or hidden extras.

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Go retroactive

Include retroactive cover to insure previous work.

Holiday umbrella.
Holiday mode

Pay less when not working by hibernating your PI cover.

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Top insurers

Be confident knowing your cover is backed by trusted UK insurers.

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UK support

Get help when you need it from our Bristol based team.

Covers to consider

How much does IT consultant insurance cost?

Choosing the right insurance for you depends on the size and nature of your business. Key insurance covers IT consultants should consider include:

Self employed professional indemnity insurance
Professional indemnity

from £7.41 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Self employed professional indemnity insurance

Professional indemnity

from £8.63 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Self employed public liability insurance.
Public liability

from +£4.76 per month

Protects your business against claims of causing an accidental injury or property damage to either your clients or a third party.

Up to £2,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

Business equipment insurance.
Electronic business equipment

from +£9.24 per month

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Equipment up to £10,000 cover (£3,500 per item)

Accessories are included (£500 per item)

Hired equipment is covered

Worldwide - your devices are covered anywhere you are

Personal accident insurance.
Business owner protect

from +£10.07 per month

Reimburses your taxable business expenses while you’re recovering from a serious illness or injury.

Up to £2,000 a month

Up to 6 months following the first 30 days of illness

Any tax deductible expenses included

Receive a lump sump payout if you suffer an accident leaving you with partial or total disablement:

£5,000 lump sum

Fast customer service

Quick payout

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
What people say
2 March
Extremely impressed

Extremely impressed with the professional and supportive service I received.

Kellie Williams
on Google
16 February
Very efficient

After shopping around for business liability cover, I found suited, I had a few questions and Jana from suited was very efficient...

on Trustpilot
14 February

The website is easy to use and the process is intuitive, clear and easy to follow.

Matt M
on Trustpilot
11 February

I was recommended Suited, because I’d been stalling. Simple to use website, offered clear, concise information and selection...

on Trustpilot
12 December

Really fantastic service by the suited insure team! Always found the insurance side to be a bit confusing but the team took me...

Michael Ryan
on Google
15 September

A simple and flexible service for what I required. Great communication from start to finish.

Matthew Allen
on Google
1 August

I was looking for business insurance this easy to use and very well explained web site made the process simple and painless. Had a quote...

Piers Field
on Trustpilot
Legal Expenses
Included as standard

With every policy subscription we also include Business Legal Protect. This means from the moment you sign up you gain immediate access to extra support services.

Commercial legal expenses insurance.
Business legal protect

Cover of £100,000 commercial legal expenses included with your policy subscription.

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

In detail

Why is IT consultancy insurance important?

As an IT consultant you may be involved in a number of different areas of expertise - cyber, integration, migration, etc. - bearing a certain level of responsibility. That comes with risks which is why professional indemnity insurance for IT consultants is a critical cover whether or not required by a contract.

Technology sits at the heart of most business these days and the role of an IT consultant is usually strategic to any client who hires one.

If you are working in that role, either as a contractor or delivering services as a company, it is likely that your clients rely on you for advice, direction and expertise they themselves lack. And they expect that what you deliver will just work. Of course this is not always the case and that is when disputes may arise.

The list of reasons is extensive but the main causes for disputes usually revolve around the following:

  • Unclear briefs: mismatch between your understanding of what is in scope and the client’s expectations
  • More work required for free to rectify an issue, either as a result of the above or a mistake
  • Demands of compensation due to delays, errors, or incomplete work causing financial losses
  • Leak of sensitive or confidential information

In IT consultancy the risk of facing one of the above or another issue resulting from providing advice in the technology space has increased directly in line with the uptake of technology in pretty much every industry.

How does professional indemnity insurance for IT consultants work?

When a complicated situation arises, there is a threat to your bank balance due to the defence legal costs you’ll incur, a possible compensation payout and the loss of future work as a result of the time required to resolve the issue.

The stress elements is also a life changing factor. Though work related it can have a negative effect on the rest of your life.

A good professional indemnity coveris first and foremost a peace of mind. Typically when you make the call or send the first notification to your insurers, they will review your case and appoint the right legal advisor to walk you through the next steps or act on your behalf if appropriate. This is usually very helpful to your state of mind as you are receiving support from someone who has done this before but also saves a lot of your time. Your legal representative will usually conduct all the correspondence and negotiations.

Knowing that you can rely on experienced legal experts to take on your defence and on your insurers to deal with the costs, you can get on with your job.

If you decide to buy professional indemnity insurance, make sure you understand the claim process before purchase. All of us hope we will never need a reason to call our insurers but when we do, we want to be confident that they can deal with the claim efficiently. This is ever more important when it comes to legal threats to your business or work.

IT consultants often set up limited companies which can place them in the grey area of the IR35 legislation.

This is why Suited professional indemnity cover also includes £100,000 of legal expenses that can help with the cost of tax investigations.

What to consider when buying professional indemnity insurance for IT consultants

When required to have professional indemnity insurance by contract, IT consultants tend to do a quick internet search and pick the cheapest. However, as explained above this legal cover can play a vital role if you find yourself in a legal dispute with your client.

Limit of liability (indemnity)

Often enough IT consultants require to hold professional indemnity insurance and the contract will stipulate what the limit of the policy should be. There are other considerations before deciding how much PI insurance you need.

Claims process

Knowing exactly what would happen if you needed to defend yourself against a client accusation of negligence or a professional mistake is paramount. You don’t want to be caught short by not having followed procedure or fulfilling certain requirements of your policy. The insurance provide you select to purchase should have this information easily accesible before you buy.

Insurers rating

It is often tempting to purchase the cheapest deal on the market. However, double check not just who you are buying from but the actual insurers underwriting your policy. This information should be made very clear to you before purchase.

Future changes

From time to time updates to your personal or business details are needed. Make sure you understand whether there are associated costs. This goes for cancellations too. Will you have to pay a fee and will you have to give 30 day notice rather than just be able to cancel immediately?

Hibernation option

IT consultants in particular are exposed to risks of their past work. Technology mistakes can sometimes take months or even years to uncover. If you are not planning to take on another contract straight away, you may want to stay insured for your past work rather than cancel your professional indemnity insurance.

Your insurance provider should be able to offer you a ‘hibernation’ option to help you save money and then change back to a full cover as and when you are back at work. With Suited do exactly from the comfort of the DIY customer portal.

In this section

Common questions

Do I need retroactive cover with my IT consultant professional indemnity insurance?

You may need it if there is a possibility that the work you did in the past may still result in a claim in the future. You may also need it if your past contract requires to stay insured for a period of time after you finished the contract.

If you're switching from one insurance provider to another, you will have to specify a retroactive date on your new policy if you want your past work insured. This is because the new insurance provider is effectively taking over the risk of a claim from the previous insurance provider.

What is not covered by IT consultant professional indemnity insurance?

You need to remember that PI cover protects from claims of professional negligence or error. Therefore any other issues such as your liability to your employees if you have any, the public or third party property won’t be covered. The same applies to cyber risks.

Can I make a claim after I have cancelled my IT consultant professional indemnity insurance?

You won't be able to make a claim under a policy that is no longer active. If you have finished a contract or wound down your IT consultancy business, make sure you maintain professional indemnity cover for your past work for a period of time. This is often referred to as a run off cover.

What is a ‘run off’ cover in IT consultancy insurance?

When a contract ends, the liability for the work you have delivered still exists and you may be either contractually required or wish to keep professional indemnity insurance in place for a little while longer.

In Suited we call this option ‘hibernation’ which means you can change your PI cover to stay insured the past only at a much reduced price if you are not planning to take on another contract.

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Call us with any questions or queries. Our Bristol based team is available from Monday to Friday and answers straightaway.

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Once you buy
If your plans change

No problem, Suited uses a simple subscription model making it easy to walk away.

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14 day promise *

If you call to cancel within the first 2 weeks we’ll give you a full refund.

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Easy to cancel

No longer need us? Cancel anytime, no more to pay.

* 14 day promise is not available online, please speak to a member of staff. Not available if you have reported a claim.

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