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Information Technology Business Insurance
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Recommended insurance policies for technology companies and consultants
With the right insurance coverage, your business can rebound from a lawsuit, cyberattacks, and other risks you face every day. These policies provide crucial financial protection for technology businesses.
Errors and omissions insurance
This policy covers legal costs related to work performance, such as a programmer who misses a deadline. It's also called professional liability insurance or tech E&O.
BEST FOR
- Work errors and oversights
- Accusations of negligence
- Failure to provide technology services
Cyber liability insurance
This technology insurance helps IT businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.
BEST FOR
- Data breach lawsuits
- Client notification expenses
- Fraud monitoring costs
Fidelity bonds
Fidelity bonds provide reimbursement for your client if one of your employees steals from them, including theft by electronic funds transfer. They're also called employee dishonesty bonds.
BEST FOR
- Employee theft or fraud
- Unlawful data access by an employee
- Illegal fund transfer by an employee
General liability insurance
This policy covers basic IT business risks, including customer property damage and injuries. Bundle with property insurance for savings in a business owner’s policy.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Libel or slander lawsuits
Workers’ compensation insurance
Most states require IT businesses with employees to buy workers’ compensation. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Healthcare for work-related injuries
- Disability benefits
- Employee injury lawsuits
Commercial auto insurance
Commercial auto insurance can help cover third-party property damage and injuries in an accident, along with vehicle theft, weather damage, and vandalism.
BEST FOR
- Car accidents
- Vandalism and theft
- Weather damage
Looking for different coverage? See more policies.
How to protect your business from cyberattacks
How much does insurance cost for IT businesses?
Several factors will have an impact on tech insurance costs, including:
- IT services offered
- Business equipment and property
- Tech company size and revenue
- Insurance products purchased
- Coverage needs, such as certain policy limits
- Number of employees
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