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IT consultants' insurance

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We guarantee to beat your new insurance quote or renewal premium from any other insurer.

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New customers only. Cover on an equivalent basis to ours. Qualifying criteria apply.

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Stolen laptop? Damaged mobile? We'll replace your essential tech within 24hrs of claim approval, with Business Tech Essentials.

Cover & claim limits apply. Mon – Fri 8am – 6pm, except Bank holidays

  • We can cover you if you work at home, a hot desk, the office and when you’re with clients.
  • No admin fees if you need to make changes to your policy.
  • 0% APR on your monthly Direct Debit payments in the first year.

    Over 18s, subject to eligibility.

  • We won't be beaten on price. We'll beat your new business insurance quote or renewal premium from any other insurer.

    New customers only. Cover on an equivalent basis to ours. Qualifying criteria apply. Terms & Conditions.

IT consultant insurance that works for you

As an IT consultant, you are relied upon to handle confidential data and provide sound advice that benefits your clients. You are expected to get things right, and if you make a mistake, you could negatively impact your clients’ business.

In your role, you may also be required to work at your client’s premises. If you were to accidentally break something, you could be liable for the costs of repairing or replacing the item. That’s why it’s important to have the right insurance in place, so you’re covered if something goes wrong.

At Direct Line for Business, we let you create your own insurance policy so that you can get cover for the particular risks associated with your line of work. Using our simple online tool, you can pick from a range of cover options to build a policy that’s right for your business.

You can download your policy documents immediately, so that you can show proof of your insurance to your clients.

Get a quote
or call us on 0345 878 5622
Get a quote call us on 0345 878 5622

Your cover options

Add any of the following cover options to your IT Consultants’ and Services Insurance to create a policy tailored to your business needs. These covers are subject to policy conditions and limits.

  • Professional indemnity

    IT consultants are continually called upon to give professional advice and solve complex problems. If you make a mistake, or give advice that is deemed to be negligent, you could face some difficult consequences. Professional indemnity insurance covers the legal and compensation costs you may have to pay if a client makes a claim against you.

    At present we do not offer professional indemnity cover to people working in computer-aided design and internet service providers. This may change over time, as we continually review our policies.

  • Public liability

    Public liability covers you if you accidentally damage a client’s property or someone is injured on your premises or by your equipment. An example of this could be someone tripping on tangled wires from your laptop. If they pursued legal action, public liability insurance would cover your costs. We can offer cover from £1 million to £10 million.

  • Employers' liability

    Employers’ liability insurance is a legal requirement if you take on employees, even temporarily. Visit our employers’ liability page to learn more about exceptions to this rule.

    This covers the costs you have to pay if an employee gets injured or becomes ill because of work they have done for you. Even something as simple as an employee damaging their back through improper lifting could cost you dearly, especially if they allege it’s because of poor training. At Direct Line for Business, we will cover you for £10 million, as standard.

  • Buildings cover

    If there is an insured event such as flood or fire where you work and the space becomes damaged, buildings insurance will cover the costs of the repairs. This includes debris removal and architect’s fees.

    We include breakdown cover as standard (for items forming part of the building), so if your equipment breaks down and you need to repair or replace any items, this policy will cover the costs. Equipment could include boilers and fire/burglar alarms. The breakdown must not be due to wear and tear.

  • Contents and equipment cover

    If you rent or own an office, you may want to cover your office contents, equipment and documents. You can also cover your expensive electrical items in case of damage, breakdown (excluding wear and tear) or theft.

    We also offer a cover option that allows you to insure these items on the go, which is helpful if you go on site visits or work at different places. If your work laptop fell on the ground and the screen cracked, we’d cover the cost of replacing it.

    And now with Business Tech Essentials, if your essential tech is stolen or damaged, we'll replace it within 24 hours from claim approval.

    When you cover your electrical items and tech you get Business Tech Essentials. Which means if your essential tech - like laptops, mobiles or tablets - are stolen or damaged we'll replace them within 24 hours of claim approval.

    Cover & claim limits apply. Mon – Fri 8am – 6pm, except Bank holidays.

  • Business interruption

    If your premises is damaged by fire or flood, business interruption will cover the costs of setting up elsewhere, and the loss of turnover if you can’t work.

    If you work at your client’s site and their premises are damaged, you’ll have to find somewhere else to work, as well as possibly lose business with them while they can’t work. Business interruption would cover the extra cost of setting up somewhere else, as well as the turnover from losing this client, up to a limit of £50,000.

    Our business interruption cover can insure you if you or one of your key employees becomes seriously disabled and is unable to continue work, we will cover the incurred costs, up to £25,000, to minimise any interruption to the business.

  • Theft of takings

    If your business handles cash and cheques for your clients, this will cover you in case of theft. This includes business takings stolen from you or anyone working for you.

  • Cyber cover

    If you hold sensitive customer data, process payments online or just want peace of mind, Cyber cover should be considered. Because cyber criminals can be clever. Catching you off-guard and tricking you in to doing something you shouldn't, like opening an attachment in a fake email, or finding a way through your cyber-security. If this happens and they get their hands on your data or access to your bank account, the impact on your business could be devastating.

    But, with our Cyber cover, you can call the experts, 24/7. They'll be on it, helping you to stay in business and recover in three ways following a cyber incident:

    Recover financially

    • Covering loss of business income
    • Covering recovery costs, like fixing damage to your computer systems or data restoration
    • Covering fines (where insurable by law) and compensation costs following a data breach

    Recover your reputation

    • You get access to public relations and crisis management experts to minimise damage to your brand and business.

    Recover your systems and help prevent future incidents

    • Technical experts will help fix your IT issues and provide advice on how to prevent future cyber incidents.

    Read more on Cyber cover here.

    Available on new and renewal policies only. For Retail and Office & Professional customers only.

  • Legal expenses

    This covers the legal costs of providing specialist lawyers and taking action against many common legal problems, for instance disputes with suppliers or clients.

  • Personal accident

    Personal accident cover provides payment if anyone in your business between the ages 16-75 is unable to work because they've been injured in an accident, whether in a business or personal capacity.

    We'll pay a lump sum of £50,000 if there is an accidental death, accidental loss of limbs or sight, or if someone in your business becomes permanently disabled following an accident.

    If someone in your business is unable to work due to a temporary injury, then after 7 days we'll pay their normal net weekly earnings up to £500 for up to 104 weeks.

    You can choose Personal Accident as an add-on once you've completed your quote.

How can we help?

Get a quote, talk to us via live chat or call us on
0345 878 5622.

Visit our contact us page to view our opening hours.

Policy documents

If you have an existing quote or policy with us, you can view and download your policy documents from the My Account page.

We tailor all our policies, so your documents only show what you’ve chosen to cover.

Below is a summary of a generic policy, from 25 October 2020 onwards, which shows the main covers and exclusions in our policies.