Technology E&O
Client financial loss caused by your advice, configuration or work.
Business Insurance
IT consultant insurance for technical advice.
Your client's systems are your exposure. Advice that goes wrong shows up as their downtime, not your damage.
IT consultants advise on and configure systems that clients depend on. When a migration fails, a configuration causes an outage or a recommendation proves wrong, the loss is financial and it belongs to the client — which is technology errors and omissions territory.
Technology E&O and contract limits
Technology E&O blends professional liability with cover for the technology products and services you provide. It responds to a client's financial loss caused by your work, and it usually pairs with cyber liability because the two exposures overlap.
Most client contracts specify a minimum limit and require you to hold cover before work starts. Larger clients often ask for higher limits than a small consultancy would otherwise buy, so check the contract before pricing the engagement.
What it covers
The parts of a it consultant insurance policy
Cyber liability
Breach response and liability, frequently bundled with E&O.
General liability
The premises cover most client contracts also require.
Retroactive cover
Past engagements, back to your retroactive date.
Working with us
What we do differently
We are an independent agency, so we place your it consultant insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Check client contracts for required limits before quoting the work
- Preserve your retroactive date when changing insurer
- Bundle cyber with E&O — the exposures overlap in practice
Common questions
IT Consultant Insurance, answered
What is technology E&O?
Professional liability written for technology work. It covers a client's financial loss caused by your advice, configuration or services — a failed migration, an outage, a recommendation that did not work.
Do I need cyber cover as well?
Usually yes, and they are often bundled. E&O covers your work going wrong; cyber covers a breach of data, whether yours or a client's that you had access to.
What limits do clients ask for?
Commonly $1 million, though enterprise clients frequently require more. Check the contract before quoting, since the insurance requirement affects the economics of the engagement.
Related cover
Often arranged alongside this
MSP Insurance
You hold administrative access to every client network you manage. That concentration is what makes an MSP a distinctive risk.
Read moreCyber Liability Insurance
The cost of a breach is rarely the hacking. It is the notification, the forensics, the downtime and the lawyers afterwards.
Read moreProfessional Liability Insurance
General liability covers injury and damage. It does not cover being wrong. If clients rely on your work, that is the gap this fills.
Read moreReady for a it consultant insurance quote?
Answer a few questions and one of our agents will come back to you.
Ready for peace of mind?
Let us protect what matters most.