IT Consultants Insurance

You can save up to 25% in discounts on IT consultant insurance.*

Choose your primary coverage to get started:

Featured On

Rated 4.7/5

(5056 reviews)

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.

Get IT consultants insurance that’s fast, easy and affordable

ERGO 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.

ERGO 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.

ERGO NEXT specializes in IT consulting insurance

IT business insurance, which can include insurance for computer programmers and IT project managers, is usually several types of policies. 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

Cyber liability insurance

To help protect sensitive systems and client data

For IT consultants, cybersecurity is a top priority. Your clients rely on you to keep their networks, applications and data secure. Cyber liability insurance can help you respond quickly to data breaches, system failures or cybercrime, and it could help cover the costs of investigation, recovery and legal defense.

cyber liability can help you pay for:

Data breaches

Cyber attacks

System failures

IT consultants trust ERGO NEXT

Business insurance

It was very easy to work with Shelby and I really liked the rates compared to my other insurance company. Thanks again Shelby and co worker

GREGORY S.

Easy to get insurance

Michel B.

Company Insurance

The perfect coverage for my needs.

Leonardo P.

So dang easy

Super easy process. I have a million irons in the fire trying to launch my business; NEXT made it so easy to get the insurance I need to win new clients. The price was great too.

Andrew R.

Contract Insurance made simpe

Next made the process of securing insurance quick, affordable and simple.

Katherine V.

Excellent Service. Everything Online

Ravindra C.

Great online insurance company. Easy

Great online insurance company. Easy sign up, helpful customer service, good rates. Highly recommend

Abdulhai A.

An easy way to get business insurance for a small LLC

The process was easy and quick. Various pricing options were presented. Overall a good buying experience.

Michael F.

Whats NEXT!!

Not only can you afford this insurance but its also convenient and does not take long to sign up. I couldn't be more happier with my experience and I look forward to utilizing them...

Jeffrey E.

Quick Process

Quick easy process and far less costly than any other insurance company.

Terry P.

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

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.

Which types of insurance are required for IT business consultants?

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?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have an ERGO NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI, or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.