Professional services
Claims that your work or advice caused a client financial loss.
IT Consultant Professional Indemnity
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IT Consultant Professional Indemnity
Professional indemnity for IT consultants, developers and MSPs.
In IT the loss is rarely the hardware. It is the downtime, the data and the financial harm to a client when something you built or maintained fails - which is what professional indemnity and cyber address between them.
What is it?
IT consultancies provide development, integration, infrastructure, managed services and advisory work, often with administrative access to client environments and contractual obligations around availability and data.
What does it consultant professional indemnity cover?
Cyber
Incidents involving data and systems, including client impact under some wordings.
Contractual liability
Exposure taken on through client and agency contracts, where the wording allows.
What affects the cost?
- Services provided and client size
- Whether you hold admin access to client systems
- Contract limits required by clients
- Turnover
- Claims history
Worth raising on the call
- Professional indemnity and cyber respond to different things and overlap varies.
- Agency and enterprise contracts usually specify both limits.
- Holding client admin credentials materially raises exposure.
Claims we are commonly asked about
Migration loses production data
A weekend cutover overruns and a client's production data is lost because the backup everyone assumed was running had been failing silently for months. The client claims the cost of reconstructing records plus the trading lost while systems were down.
Ransomware reaches a managed client
Ransomware moves into a managed client's servers through the remote management tooling used to support them. Claims like this sit right on the boundary between professional indemnity and cyber, which is why how the two wordings interact matters more than either limit on its own.
Build delivered late and disputed
A custom system is delivered months late and the client says it does not do what was scoped, withholds the final invoices and claims the cost of engaging someone else to finish it. Scope documents and change requests usually decide these claims rather than the code itself.
Worth confirming in the wording
- Worth confirming whether liability assumed under client contracts is covered, since uncapped indemnities, service credits and agreed liquidated damages commonly go beyond what a professional indemnity wording will follow.
- Worth confirming whether the policy responds to a client's loss as well as your own systems, because first-party cyber and third-party liability to clients are often written in different sections or different policies.
- Worth confirming how software you resell, host or manage on a third-party platform is treated, and whether an outage or breach at that platform is contemplated as your liability.
Common questions
Do I need cyber insurance as well as professional indemnity?
They are generally designed for different things, with professional indemnity aimed at claims that your work or advice caused a client loss and cyber aimed at incident response, your own systems, notification obligations and extortion. The overlap varies between wordings, so it is worth having both reviewed together rather than assuming one absorbs the other.
What limits do enterprise clients usually ask for?
Requirements vary widely, but $5 million or $10 million professional indemnity plus a comparable cyber limit is a common request in enterprise and government contracts, and agencies often specify their own minimums. The practical approach is to check the insurance schedule in the contract before signing, since retrofitting a limit mid-engagement is harder.
Does professional indemnity cover a project that runs late?
Pure delay and contractual penalties are commonly limited or outside the wording, because insurers generally do not underwrite the commercial terms you agreed to. Where the delay flows from a negligent act or error rather than from a commercial decision, the position can be different, so the facts and the wording both matter.
I contract through an agency. Do I need my own cover?
Agencies and end clients commonly require contractors to hold their own professional indemnity and cyber, and the agency's own policy usually protects the agency rather than you. It is worth reading the insurance clause in the contractor agreement, since it often specifies both the limit and how long cover must be maintained after the engagement ends.
General information only. Cover, limits and exclusions depend on the PDS, TMD, eligibility, underwriting and the policy terms. See professional indemnity insurance for the wider picture.
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