Insurance for IT contractors, consultants and professionals

Specialist cover for IT professionals from as little as £5 a month

  • Fast, easy online quote in 90 seconds

  • Interest free direct debit

  • No hidden fees or cancellation charges

Having insured IT professionals for over 25 years, we have an unrivalled knowledge of the risks facing the industry.

Our IT contractor and consultant insurance offers truly specialist cover tailored to your business' needs.

IT projects do not always go to plan. Writing an application that is not fit for purpose, damaging a client-owned laptop or a burglary at your offices could have a severe financial impact on your business. Our IT contractor and consultant insurance can provide comprehensive cover for your business in these scenarios and more.

Tailoring your IT contractor insurance online is fast and easy. Our simple quote system asks about your business activities and offers covers that may be of interest. You can choose to buy all or just some of the covers quoted, so you will only ever pay for the cover you want.

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More IT professions we cover

Cover starting at just £5 a month

Tailor your IT contractor insurance policy with these covers

  • Professional indemnity insurance

    Professional indemnity insurance covers the cost of defending your business against allegations of professional negligence (such as giving your client incorrect or wrongful advice) and if unsuccessful, the cost of damages awarded against you.

    Examples of claims include:

    • A system you were contracted to design is deemed not fit for purpose after the project finishes. The client takes legal action against you to recover the costs of putting it right.

    • A client engages you as a project manager responsible for delivering a system to a specific deadline. The project overruns and you are held responsible for the additional costs the company incurs due to the delay.

    This is essential insurance for IT consultants and contractors, and cover is available with limits ranging from £50,000 to £5m.

  • Public liability insurance

    Public and product liability insurance covers the cost of defending your business (including damages awarded against you if unsuccessful) if someone is injured, or their property damaged, which arises from you going about your business or supplying products.

    Examples of claims include:

    • You damage a client’s projector using the wrong adapter to plug in your laptop. They send you a bill for a new projector as the original is irreparable.
    • A client trips over a cable and injures themselves while visiting your workplace. They make a personal injury claim against you seeking compensation.

    Limits range from £1m to £5m.

  • Employer's liability insurance

    Employer’s liability insurance is a legal requirement if your business has employees. It covers your business against claims for injury or illness suffered by employees arising from their employment.

    An example of a claim would be:

    • An employee alleges they are suffering from a chronic bad back as a result of sitting in an unsupportive chair for too long. They make a personal injury claim against you seeking compensation.

    If your business employs other IT consultants, you need this cover. Cover for £10m.

  • Directors and officers insurance

    Directors and officers insurance covers the costs of defending you as a director or officer of your company against allegations of wrongful acts and any damages subsequently awarded against you. Cover is also provided in respect of the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £100,000 to £5m.

  • Office insurance

    Office insurance covers your office buildings, office contents and computer equipment against accidental damage (including theft) whilst on your business premises. You can also choose to cover your business equipment (such as laptops and mobile phones) on a worldwide basis, and insure your business against loss of income and/or additional trading expenses following events such as damage to your property.

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Cover starting at just £5 a month

Frequently asked questions

  • I need professional indemnity insurance to secure a contract - do you provide proof of cover?

    Yes. If you purchase your policy with us, your documents are emailed to you instantly and include a dedicated 'Confirmation of Liability Insurance' document (detailing the cover you have with us) which you can present to agencies and clients as proof of cover.

  • Is my past work covered?

    We cover past work if you have held professional indemnity insurance uninterrupted prior to arranging your policy with us.

    If there was a period of time where you did not have professional indemnity insurance in force (for example, you have never arranged professional indemnity insurance before, you chose not to renew a previous policy or you cancelled a previous policy at the end of a contract) we are unable to cover past work.

    If you require further clarification, don't hesitate to call us on 0800 640 6600.

  • What limit of cover should I choose?

    Many clients and industry bodies with regulatory requirements will require you to have a minimum level of cover in order for you to undertake a contract, so it's worth checking this before you arrange cover. If you're unsure, or it's the first time you have arranged cover, give some thought to a worst-case scenario and the likely costs involved in putting your mistake right. We offer a range of limits, so you're sure to find the right cover for your business.

  • What's the difference between professional indemnity and public liability?

    Professional indemnity insurance covers against allegations of professional negligence - which means it would cover you if you were to make an error or mistake in a piece of work (such as a project or report) for a client.

    Public liability insurance is different - it covers against allegations of injury or illness caused to third parties by your negligence. This includes many of the slips, trips and falls that are associated with personal injury claims. In addition, public liability insurance covers against damage to third party property - for example, if you were to damage a client-owned laptop or smartphone.

    As they insure against different scenarios, it's important you consider arranging both types of cover to ensure you are properly protected.

  • Why should I insure with Markel?

    Established over 25 years ago, we've gained an unrivalled understanding of the risks facing professionals and our policies are specially designed to protect you.

    We're regulated by the Financial Conduct Authority and Prudential Regulation Authority, and you can view our details on the Financial Services Register. We're a division of Markel International, a Lloyd's and London market insurer that wrote gross premiums of £800m ($1.2 billion) in 2015.

    Still not sure? Call us on 0800 640 6600 - one of our insurance experts will be more than happy to answer any questions you have and talk you through the insurance we offer so you can choose the right cover for your business. Alternatively, get an online quote in 90 seconds now and call us later if anything needs clarifying.

We offer a specialist policy for home-based IT professionals

Home based businesses face a multitude of risks. We offer specialist insurance for IT consultants working from home, specifically designed to address the unique risks facing your business. Few home business owners realise their home insurance policy does not include cover for mistakes made in their work, so it is vital you arrange specialist cover that will properly insure your business.

You can choose from a range of liability covers, as well as the option of insuring home office contents, such as computers and business equipment. We also offer a choice of limits for each cover suitable for all sizes of business.

Cover starts at just £5/month, and with the option of spreading the cost of your premium over 10 interest free payments, you are sure to find truly specialist cover at an unbeatable price


Cover starting at just £5 a month