Get IT consultants insurance that’s fast, easy and affordable
NEXT specializes in small business insurance. Insurance for IT and tech companies can help protect you, your business and your employees from the cost of unexpected events.
NEXT makes it easy to:
- Check prices, get covered and buy 100% online in about 10 minutes.
- Manage your policy 24/7 via web or mobile app.
- Pay monthly or annually and cancel anytime.
- Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.
IT consultant insurance can help protect you from
Business errors
A client or customer accuses you of making a professional mistake that costs them money.**
Claims of negligence
Someone claims your inaction or wrongdoing caused financial loss or personal harm.
Legal fees and defense costs
You need an attorney to defend your business in a lawsuit after a claim.
NEXT specializes in IT consulting insurance
IT business insurance is usually several types of policies, and you can save up to 10% when you bundle two or more. Your coverage may include:
General Liability insurance
Protection for damage to other people's property and injuries to non-employees
General liability insurance can help protect against everyday business risks. If a client trips on your cables and gets hurt, or if you accidentally damage someone else’s hardware while working onsite, this kind of general protection could help.
general liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
Professional Liability insurance (E&O insurance)
To help protect you from errors and mistakes at work
Professional liability coverage — also called errors and omissions insurance (E&O) or professional indemnity insurance — can help protect your IT consulting business if you’re accused of making a mistake that causes a client to lose money or suffer damages. For example, if a client claims your software recommendation led to costly delays or integration failures and they file a lawsuit, your professional indemnity policy could help provide protection.
professional liability can help you pay for:
Professional negligence (actual or alleged)
Legal defense costs
Legal judgments
Commercial Auto insurance
If you own or drive a vehicle for work
Personal auto insurance doesn’t usually provide coverage if you cause a collision on the way to a client’s office. Most states require a commercial auto policy for business-owned vehicles to help pay for accident fallout, such as medical expenses and property damage.
commercial auto can help you pay for:
Medical expenses
Collision repairs
Rental car reimbursement
Workers’ Compensation insurance
For employee work-related injury and illness
Workers’ comp is required in most states if you have employees. With workers’ comp you can get help covering medical costs and lost wages if employees get hurt on the job. As a sole proprietor, you can also add business owner’s coverage if you want workers’ compensation for yourself.
workers compensation can help you pay for:
Medical expenses
Lost wages
Employer liability
Commercial Property insurance
For business owners who own or rent physical spaces
To keep client projects running smoothly, IT consultants may depend on expensive equipment in their office space, from laptops and servers to networking hardware and specialty software. Commercial property insurance coverage could help protect that gear if it’s damaged by a covered event, as well as the workspace you rent or own.
commercial property can help you pay for:
Damaged business property
Lost income
Operating expenses
Save up to 25% in discounts on IT consultant insurance
Pay monthly or annually, and you can cancel at any time.
Basic
Lowest Price
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
Pro
Most Popular
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
How much does liability insurance for IT consultants cost?
Premiums for IT consulting may be more affordable than you think. The exact price you’ll pay for your business liability insurance cost depends on a number of factors, including:
- The type of work you do.
- The types of clients you have.
- Your business location.
- Your number of employees.
- Annual revenue.
- The coverage limits and deductible you choose.
- Your insurance claims history.
The best way to know for sure what you’ll pay is to check our prices. In about 10 minutes you’ll see the exact cost of tailored coverage for your business.
How can insurance for IT consultants help your business?
You might need IT consulting insurance to help your business:
- Secure work. Many clients require proof of insurance coverage in contracts and RFPs to reduce their risk before they’ll hire you for projects.
- Protect tech gear, equipment and office space. Property insurance can help protect things such as business laptops, servers and networking gear (owned, rented or borrowed) in your office space, as well as damage to the actual space itself.
- Hire employees. Most states require workers’ comp insurance for small businesses with employees.
- Drive for business. Business-owned vehicles and personal vehicles you drive for work typically need commercial auto insurance.
Frequently asked questions about IT consultant business insurance
Here are some of the most common questions we get about IT consultant business insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.
What do I need to get an insurance quote online?
- Tell us about your business. Share what you do, where you’re located, how many people you employ, and any vehicles you use for work.
- Review your options. Compare recommended coverages and see prices tailored to your business.
- Buy online & get proof instantly. Complete checkout and download your certificate of insurance (COI) on the spot.
How can I get a certificate of insurance (COI)?
Once you have a NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.
How do you file an insurance claim with NEXT?
If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.
Coverage on-the-go for policyholders
Manage your policies, send and create certificates of insurance, or file a claim with our app.
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