Public liability insurance Quotes for IT contractors, firms, and consultants *

Public liability insurance is a key consideration for IT contractors, providing protection against third party claims for injury, illness, or property damage arising from your business activities. Whether you are a sole trader or part of a larger IT consulting firm, having appropriate cover may offer peace of mind when working with clients or other third parties.

Do IT Contractors, Consultants, and Firms Need Public Liability Insurance? *

IT contractors, consultants, and firms may need public liability insurance.

For example:

If an IT consultant accidentally drops a client’s desktop or laptop, public liability insurance may cover replacement or repair costs.
If an IT contractor visits a client’s premises and someone trips over their IT gear and hurts themselves, public liability insurance may cover compensation.

For many IT consultants, public liability insurance cover can be bundled together with professional indemnity insurance cover at a reasonable cost. This combined approach may provide broader protection while simplifying policy management.

Why is Public Liability Insurance Important for IT Contractors? *

Public liability insurance is particularly important for IT contractors who interact with clients or handle physical equipment. Not only does it help mitigate the financial impact of claims, but it also demonstrates professionalism and commitment to risk management.

Clients may require proof of public liability insurance before engaging your services.

Get Quote

homeinfo

Common Exclusions in Public Liability Insurance for IT Contractors *

While public liability insurance may provide robust coverage, it’s important to be aware of common exclusions, such as:

Damage to your own equipment or property.
Injuries to you or your employees.
Contractual liabilities unless explicitly covered.

Always review your policy details and consult your insurer to understand what is and isn’t covered.

Common Exclusions in Public Liability Insurance for IT Contractors *

While public liability insurance may provide robust coverage, it’s important to be aware of common exclusions, such as:

Damage to your own equipment or property.
Injuries to you or your employees.
Contractual liabilities unless explicitly covered.

Always review your policy details and consult your insurer to understand what is and isn’t covered.

What to Do in the Event of a Public Liability Insurance Claim *

In the event of a claim, it’s important to act quickly:

Notify your insurance company or insurance broker immediately.
Document the incident, including taking photographs and collecting witness statements where applicable.
Where possible work with your insurance broker to ensure all necessary paperwork is submitted promptly.

Having a responsive insurance broker may make the claims process smoother and more efficient.

List of IT professions we provide Public Liability Insurance for*

list of different professions

How Much Does Public Liability Insurance Cost for IT Companies and Consultants? *

For some self-employed IT consultants, a combined public liability insurance and professional indemnity policy starts from $750 per annum or approximately $75 per month.

The cost of your policy may depend on factors such as:

Nature of services provided: On-site work may carry more risk than remote services.
Business size and revenue: Larger firms or higher revenue businesses typically face higher premiums.
Claims history: A clean claims record may result in more competitive premiums.
Coverage limits and deductibles: Opting for higher coverage limits or lower deductibles may increase premiums.

Consulting with an insurance broker may help you identify a policy that aligns with your business needs and budget.