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From dealing with sensitive data, to expensive hardware. Make sure your business is covered in the correct places.
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IT consultant insurance is a form of cover designed to protect businesses and individuals who offer IT consultancy and support on a business-to-business level. Different types of policy can be combined to offer the best possible protection for IT consultancy firms, in an industry which is fraught with its own unique set of pitfalls and challenges.
For example, if you were to damage an expensive piece of IT equipment (such as a server, printer or plotter) while providing services to a client, you could find yourself on the end of a rather sizeable claim for compensation. With IT consultant insurance, you’re protected against these sorts of occurrences.
When you have comprehensive IT consultant insurance cover in place, it can take the stress and worry out of damaged property or injury to persons as a result of negligence (such as tripping over a cable).
Any company that offers IT consultancy services to businesses and individuals should strongly consider having IT consultant insurance in place. Whether you deliver IT solutions on an ad-hoc basis or hold multiple contracts for putting IT infrastructure in place across several businesses, chances are that you will require some form of cover.
Most IT consultants perform their roles “on site” in the premises of the client. This often presents unique circumstances for accidents or issues to occur. From damaged equipment to data safety issues, mistakes in the world of IT consultancy can prove to be costly, as well as damaging to the reputation of your business. Put simply, if you perform IT-related tasks on an outbound basis, it is imperative that you have the right cover in place to protect you in the event of something going wrong.
Different policies cover different issues, and you may want to consider one or all of them dependent on the size of your business, how many employees you have, and the nature of the IT consultancy you provide. One of the most popular policies taken out by IT consultants is public liability insurance. This covers any claims for compensation made against your business due to personal injury or damage to property while executing your duties. All businesses where employees encounter the general public should strongly consider public liability insurance.
IT consultancy firms should also think about taking out a professional indemnity insurance policy. This will help to protect your business in the instance of a client losing money due to an error made by your company. For example, imagine you’re installing a new server – something goes wrong, which means your client cannot process payments for six hours, therefore losing out on sales. Could you cover the cost without suitable insurance in place? If you’d like to ensure your equipment is covered, you might want to take out business equipment insurance. Policies like these can protect you in the event of theft or damage.
If you employ staff, you are legally required to have employers' liability insurance in place. This applies even if you only employ people on a casual or part-time/temporary basis. Employers' liability covers any claims for compensation from employees who have suffered illness or injury at work.
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