IT consultant helping co-worker with computer issue

IT Consultant

IT consultants analyze, plan, suggest and manage information technology for businesses to help optimize performance and achieve business objectives and goals. Be sure to consult with your IT Consultant clients to be sure they have the protection they need.

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Associate Account Manager
Technology Product Leader
877-977-4474, ext. 7081

Insurance policy highlights can include:

  • Copyright and trademark infringement

  • Broad definition of technology services, using “included, but not limited to” wording

  • Blanket additional insured and waiver of subrogation

  • Network security and privacy liability

  • Professional liability limits up to $5 million limits

  • Hired and non-owned auto liability coverage available

  • Top rated, financially strong, A++ rated insurers writing on both admitted and non-admitted paper

  • Privacy breach expense and regulatory defense can be included

  • The ability to include full prior acts on professional liability

Coverages can include:
  • Errors and omissions (professional liability)

  • Cyber

  • General liability

  • Media liability

  • Business personal property

  • Hired and non-owned auto

Additional coverages available:
  • Blanket additional insured

  • Umbrella

  • Business income

  • Equipment breakdown


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Claim Examples

Errors and Omissions (Professional Liability)

An IT consultant was hired to design a fully functional, interactive software and hardware solution for a retail shop. After six months, the consultant failed to deliver the solution as promised in their contract, and the retail shop had to hire another consultant to finish the software. The retail shop sued the IT consultant and claimed damages of $1 million which included the increased cost to complete the solution, lost profits because of the delay in the delivery and the market value of the software and hardware solution.

Personal Injury

An IT consultant was contracted and hired to develop and implement an IT solution for a high-end restaurant. While developing the solution, they took pictures around the restaurant for marketing purposes, but these photos had pictures of real patrons of the restaurant. The patrons in the pictures saw their photos in the marketing piece of the IT solution, and these photos were being used without consent. The patrons file a suit for invasion of privacy.

Intellectual Property

Jon Doe had been a consultant for a large IT company, ITC Biz, for many years. His role at ITC Biz included designing software systems. ITC Biz saw a decrease in contracts and orders and had to layoff most of their employees including Jon Doe. Once Jon was let go, he created his own company designing software systems and other IT solutions. Upon delivery of these software systems and solutions to his new clients, ITC Biz felt that his software code was their copyrighted code. ITC Biz sued Jon Doe for copyright infringement.

Bodily Injury Arising Out of a Professional Service

An IT consultant was installing a software program for one of their clients. The IT consultant left the room while hooking up an Ethernet cable to their router. While the consultant was out of the room, an employee of the client tripped over the loose Ethernet cable and sustained injuries to their back and neck. The employee of the client sued the IT consultant for negligence and sought damages for the bodily injuries sustained.

Hired and Non-owned Auto

Jessica was a staff member who worked for a small IT consulting company. While Jessica was running errands on behalf of the company, she ran a stop sign and struck another vehicle. The other driver sustained a severe bodily injury and sued Jessica’s personal auto policy. It turns out that the claim amount ultimately exceeded Jessica’s personal auto limits, and a secondary claim was made against the hired and non-owned policy of the IT consulting company.