IT consultants' insurance

Price beat guarantee

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

To redeem and for full Terms & Conditions, click here.

New customer only. Cover on an equivalent basis to ours. Excludes policies with home emergency cover added. Qualifying criteria apply.

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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 customer only. Cover on an equivalent basis to ours. Excludes policies with home emergency cover added. 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.
Home emergency

Peace of mind, if you experience a sudden and unexpected issue, which can cause damage to your home, makes it unsafe or uninhabitable, home emergency's 24-hour claims line means help is never far away. You'll have a certified contractor, such as plumbers, electricians, glaziers, locksmiths, or drainage engineers at your home within 4 hours of your claim being registered, to make the property secure or prevent further damage. In addition, you have access to gas engineers, pest control services and roofers, but these are not subject to the 4 hour response time. Extreme weather and remote locations may extend the response time.

Up to £1,500 inc. VAT per claim for call-out charges, labour costs and materials for insured emergencies, such as issues with plumbing, heating or pest infestations.

You're also covered for overnight accommodation, up to £300 inc. VAT, if you can't stay in your home due to the insured incident. This isn't available if your home is a B&B, guest-house or hotel.

There's no excess to pay and no limit on how often you can claim.

You can add home emergency to a Direct Line business policy, so long as you run your business from home and have home buildings insurance, home contents insurance or business contents insurance on your policy. It is available on new and renewal policies, it can't be added during the policy term.

Home emergency isn't currently available on policies that include commercial premises.

For more information click here.
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.
Terrorism cover
If you have commercial premises, you can extend your cover, for an additional premium, to include property damage as a result of an Act of Terrorism. We'll cover you up to the maximum sum insured on your policy for buildings, contents and business interruption (depending on which covers you have taken).

This includes:
- the rebuild of buildings damaged beyond repair
- cover for damage or loss of your business contents, stock and computer equipment, to help you get back up and running.
If you choose business interruption cover, you can extend this to include cover for reduced turnover and the costs of setting up elsewhere, due to damage to your premises resulting from an Act of Terrorism. It will also cover you not being able to access your premises as a result of an Act of Terrorism within 1 mile of your business.

Acts of Terrorism are defined as damage caused by someone acting on behalf of, or in connection with, any organisation which uses force or violence to overthrow or influence the UK government.

Terrorism cover is only available for properties located in England, Wales and Scotland.

Terrorism insurance is optional, so an additional premium will apply.

You can include Terrorism cover on your policy by adding it online or by calling us on 0345 301 5066 when you take out your policy or at renewal, as it cannot be added to your policy mid-term.

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.

Office policy summary (PDF)