IT Insurance — Nationwide Coverage
Protect your IT consulting, managed services, or technology business against lawsuits, cyberattacks, and contract risks. Fast quotes. Same-day COIs. Nationwide service.
What Is IT Insurance?
IT insurance protects IT professionals, managed service providers, and tech consultants from lawsuits, cyber threats, and client disputes. Whether you manage networks, develop software, or provide technology consulting, this coverage helps safeguard your business and meet client contract requirements.
Core Coverages for IT Professionals
Professional Liability (E&O)
Protects against claims of negligence, mistakes, or failure to deliver promised IT services or solutions.
Cyber Liability
Covers costs of data breaches, ransomware, and system downtime due to cyberattacks.
General Liability
Protects against third-party bodily injury or property damage, such as accidents during client visits.
Commercial Property
Protects offices, servers, networking equipment, and furnishings from fire, theft, or natural disasters.
Business Income
Replaces lost income if operations are halted due to a covered property or cyber event.
Workers’ Compensation
Covers employee injuries and illnesses, such as ergonomic strain or slip-and-fall accidents.
EPLI
Employment Practices Liability Insurance covers discrimination, harassment, or wrongful termination claims.
Crime
Covers employee dishonesty, theft, or fraud — critical for firms handling client systems or finances.
Umbrella / Excess Liability
Provides additional liability limits required by corporate contracts.
At a Glance: Common Risks & Coverages
| Risk | Example | Coverage |
|---|---|---|
| System downtime | Server misconfiguration halts client business | Professional Liability (E&O) |
| Cyber breach | Hackers steal sensitive client data | Cyber Liability |
| Accident at client site | Consultant damages client equipment | General Liability |
| Office fire | Servers and equipment destroyed | Property + Business Income |
| Employee injury | Technician injured on-site | Workers’ Comp |
| Employment claim | Employee alleges harassment | EPLI |
| Contract requires $5M limit | Large IT outsourcing deal | Umbrella / Excess |
How Much Does IT Insurance Cost?
Premiums depend on services offered, data handled, revenue, and claims history. Independent IT consultants may pay $700–$1,500/year for E&O + Cyber. Small IT firms with employees typically spend $2,500–$6,000/year. Larger MSPs or data centers with high data exposure may spend $10,000–$50,000/year including Umbrella and EPLI coverage.
Compliance, COIs & Platform Requirements
Same‑Day Certificates
Need a COI for a landlord, marketplace, or retailer? We deliver same‑day certificates with Additional Insured, Primary & Non‑Contributory, Waiver of Subrogation, and Vendors endorsements when required.
Why IT Professional Brands Choose Insurox
Access to 150+ Carriers
Admitted and specialty markets for IT brands.
Omnichannel Expertise
We understand IT Insurance — not just premiums.
Fast. Digital. Human.
Quote online, e‑sign, and get documents fast — with expert agents ready when you need them.
Frequently Asked Questions
Yes. Even solo IT pros can face lawsuits over errors, data breaches, or downtime.
E&O covers service errors; Cyber covers security breaches, hacks, and ransomware events.
Often yes — many client contracts require proof of E&O, Cyber, and Umbrella limits.
Yes, if you have employees. Requirements vary by state.
E&O may cover losses from mistakes you make; external vendor outages (like AWS) are usually excluded.
