You work inside other people’s systems. Their lawyers noticed first.
Insurance for IT consultants, MSPs and technology consulting firms — E&O for advice and admin access, cyber that follows you into client environments, and the limits client MSAs demand.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
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What IT consulting businesses actually need.
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 — 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.
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.
An MSP with admin credentials across forty client environments carried a generic consultants’ E&O bought years earlier. A new client’s MSA required technology E&O and cyber naming limits the old policy could not meet — and the old form’s data-release sublimit would have been the first thing a breach lawyer read.
We moved them to a technology form covering E&O and cyber together at the contract’s limits, priced for what they actually are: a firm whose keys open other companies’ systems. The MSA cleared, and two subsequent client security questionnaires were answered with the same certificate.
What IT consulting operators ask us.
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 favour 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.