IT companies insurance

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Tailored insurance for IT companies.

Whether you’re an IT consultant, a software developer, or a web developer, you’ll need insurance to protect your business. IT companies insurance from Provide starts with professional indemnity insurance, so that you’re protected from lawsuits. You’ll also want to cover yourself against staff injuries and Covid-19 infections, public liability, and employee theft.

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What types of insurance do IT companies need?



Importance for IT companies

Professional indemnity insurance

Covers negligence, errors and omissions, professional mistakes that result in lawsuits


Cyber liability insurance

Covers liability from cyber attacks that expose your customers/clients data


Directors & officers (D&O) insurance

Covers personal lawsuits against directors and officers


Work injury compensation insurance

Covers work-related injuries/sickness, including Covid-19 infections

Legally required for manual workers


Critical for office workers

Commercial property insurance

Covers fire, water damage, burglary, etc.

Critical if you rent commercial property

Public liability insurance

Covers customer injuries, and third-party property damage (e.g. during renovations)

Critical if you rent commercial property

Machinery and equipment insurance

Covers sudden breakdown of IT equipment (e.g. servers)

Good to have

Fidelity guarantee insurance

Covers employee theft and fraud

Good to have

Professional indemnity insurance
Professional indemnity insurance is absolutely vital for IT companies. Whether you develop software, work on cybersecurity, or perform IT-related activities for clients, there is significant legal liability if you make a mistake and clients suffer losses. Professional indemnity insurance will protect IT companies from lawsuits related to negligence, errors and omissions, IP infringement, and more.

Commercial property insurance
If you rent an office for your IT business, commercial property insurance will protect your business premises. Commercial property insurance will cover you against major risks like fire, water damage, and burglary. It covers your office contents like computers, business inventory, furniture, and other belongings.

Public liability insurance
Public liability insurance will protect you from liability for injuries/property damage to third-parties. For instance, if you work on equipment that belongs to your clients and end up damaging it, they can hold you legally liable for the costs to repair or replace it.

Fidelity guarantee insurance
Fidelity guarantee insurance will protect you from employees stealing from your business.

How much does IT companies insurance cost?

Cover Coverage amount (examples) Typical premium
Professional indemnity insurance $100,000 $1 million Critical
Cyber liability insurance $250,000 $1 million From $600/year From $1000/year
Directors & officers (D&O) insurance $100,000 $1 million From $500/year From $1000/year
Work injury compensation insurance $10 million (statutory limit required by MOM) Office-based: From $60/year per worker
Commercial property insurance $100,000 From $100/year
Public liability insurance $100,000 From $100/year
Machinery and equipment insurance $50,000 From $400/year
Fidelity guarantee insurance $10,000 From $100/year

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Why use Provide for IT companies insurance?

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