Professional Liability Insurance for IT Contractors – E & O Insurance

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Information technology professionals possess a rare and highly coveted set of skills. Unfortunately, data security threats, copyright law infringements, and everything in between, mean IT professionals are increasingly finding themselves walking on a minefield of potential liability claims.

The world of technology will only get more complicated. While this makes for a tremendous business opportunity for IT experts, it also means that E&O insurance for IT contractors has never been more essential. In fact, many clients require IT contractors to hold professional liability policies before they will even sign a contract.

Common Risks for IT Contractors

Whether a legitimate mistake has been made, or a client is simply levying a false accusation, there are a bevy of reasons that IT contractors receive negligence or liability claims. Some of the most common claims include:

Copyright Infringement

When installing software to set up workstations, it can be easy to unintentionally infringe on an IP of a 3rd party.

Unexpected Software Failure

Even the best programmers run into software bugs or systems that simply won’t comply.

Breaching Confidentiality

While working on a client’s infrastructure, a contractor may accidentally reveal confidential information.

Scope or Product Miscommunication

Many clients get confused about technical specs or project details, resulting in delayed timelines or unfulfilled expectations.

Data Security Issues

Whether a data security breach occurs or there is a miscommunication regarding permissions, data issues arise frequently.

These are only a handful of the reasons IT contractors can find themselves knee-deep in legal accusations — even if you’ve done nothing wrong!

Who Does Cover Advantage Protect?

Professionals across the gamut of information technology can secure professional liability insurance as well as commercial general liability (CGL) and Director’s and Officer’s (D&O) insurance, including:

IT Managers

IT Managers

Software Consultants

Software Consultants

Computer Programmers

Computer Programmers

IT Analysts

IT Analysts


Bottom line: if you work with clients in any facet of information technology, Errors and Omissions insurance should be a must have for your business.

Get a Quote. Get Covered.

Make sure your time and resources can continue being put toward using your unique skills — not defending your reputation. Get a free quote and secure coverage completely online in minutes.

You will have peace of mind knowing that your coverage is backed by Lloyd’s of London, one of the world’s largest and strongest insurance companies.