You work inside other people’s systems. Their lawyers noticed first.Founded by a software developer who owns a software company.

Cyber & tech E&O

Breach response, ransomware and the notification costs that follow. Technology errors and omissions sits on the same policy and covers the software or service itself failing a client, which is the half most tech companies find out about too late.

Without it — A consultant with admin access carries two exposures at once: your systems, and every client environment your credentials reach.

Professional liability

Covers the advice, the drawing, the diagnosis. The work itself, rather than someone getting hurt on your premises.

Without it — The recommendation that did not survive contact with production is a professional claim: the migration that lost data, the architecture that fell over.

Umbrella & excess liability

Extra limit stacked above general liability, auto and employers liability. Usually the cheapest million dollars on the policy.

Without it — Client MSAs name limits without asking what your carrier sells. Excess over the E&O and cyber is how the gap closes.

General liability

Third-party bodily injury and property damage. It is the line nearly every contract names by default.

Without it — The certificate every client onboarding portal requests before your first invoice clears.

Hired & non-owned auto

Covers vehicles the business does not own but its people drive on the job: rentals, and employees running errands in their own cars. Their personal auto policy will not cover a business trip, and the claim lands on the business. Pricing depends entirely on HOW it is bought: as an endorsement on a general liability policy we write, HNOA often costs a few hundred dollars; as a stand-alone (monoline) policy it runs $2,500 to $5,000, and association practitioner programs (CPH, CM&F and similar) generally cannot take the endorsement, so "add HNOA to my existing policy for $300-$800" is usually not a real option. A package carrying GL, professional liability and HNOA together is typically cheaper than the monoline.

Without it — Consultants driving their own cars to client sites are the classic uncovered claim: the business exposure personal auto quietly refuses.

Workers compensation

Required in almost every state the moment you have employees. Priced on payroll and class code, which is why the class code is worth arguing about.

Without it — Required with the first employee, and the first question on many vendor forms even for firms of two.

A client’s contract holds us liable for a breach in their environment. Can insurance actually cover that?

Yes, if it is placed knowing that is the exposure. A technology E&O and cyber form can respond to claims that your work — the credentials, the configuration, the patch that waited — contributed to a client’s incident. A generic consultant policy frequently cannot: many exclude or sharply sublimit claims involving the release of personal information, which is what a breach claim is. The contract review comes first, because the clause tells us what the policy has to say.

We are a two-person consultancy. Are the client insurance requirements negotiable?

Occasionally, but rarely in your favor and never quickly. Procurement teams apply the same vendor template to a two-person firm as to a two-hundred-person one. It is almost always faster and cheaper to satisfy the clause than to argue with it, and small firms often find the required coverage costs less than the billable hours the negotiation would burn.

Does our E&O cover subcontracted specialists we bring onto projects?

Your policy covers claims against you, including for work you subcontracted, but it does not cover the subcontractor, and their bare spot has a habit of becoming your claim. The clean pattern is the one your own clients use on you: require certificates from subs, at limits that make sense for what they touch. We help set those numbers.

What does IT consultant insurance cost?

For an independent consultant, tech E&O with cyber commonly lands in the low four figures a year; firms with staff, admin access at scale or contract-driven limits price on those facts. The auction for this search runs to three digits per click, which tells you carriers consider the accounts valuable, worth more than a one-size answer. Revenue and what your contracts require decide it, and those are the first things we ask. For scale, on our calls in 2026 a solo web developer whose client contract required $1,000,000 of professional liability bought tech E&O with cyber for $3,838 a year, a business owners policy for $479, and workers comp for $578 when the same contract asked for it, all bound on two calls.

We recommend and deploy AI tools for clients. Where does the liability land?

On you first, as the professional who advised and configured, and the claim is negligent advice or negligent implementation under technology E&O. A client who puts customer records into a tool you recommended, without the business associate agreement or the data terms it needed, has a privacy claim with your name on it. Document the tool selection, the data terms you reviewed and the client’s sign-off, and carry E&O that covers AI affirmatively, because the 2026 exclusions reach consultants as readily as developers.

Which AI tools can be covered by a BAA

What does a IT consulting insurance application ask for?

The applications for IT consulting businesses ask about 4 things above all: what's your company name, address, and website; what are your two largest client engagements from the past two years, including what services you provided and what they paid; do you require your employees to use a virtual private network (vpn); have you had any claims or incidents in the past five years that you need to report. Have your most recent audited annual financial statement and your written client contracts (or a sample if you use the same template) ready and a quote takes a day instead of a week.