Insurance for IT Professionals
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What is IT professional insurance?
IT professional insurance (the different types of cover designed for IT pros) helps your business manage the cost of common risks, like work errors, cyberattacks and broken equipment.
A lot can go wrong when you’re programming, coding, testing, debugging or doing other techy stuff. Mistakes in your work, property damage, broken equipment and lawsuits are just a few of the risks that insurance for IT contractors could help you manage.
If the cost of fixing these issues (and others) would cripple your finances, then you might want to consider business insurance.
Why do IT professionals need insurance?
IT professionals may need business insurance to meet contractual obligations and pay unplanned bills.
Lease office space
Work with specific clients
Pay legal costs if you face a claim
Let’s cover your small business on the go
Start a quote to see how much you can save and buy online in minutes.
Who needs IT professionals’ insurance?
IT professionals from computer programmers to IT consultants consider business insurance an essential part of protecting their livelihoods. BizCover offers cover for many IT occupations, including:
Computer Maintenance Services
Computer Programmers
Data Processing Services
Database Programming Services
Hardware Installation, Maintenance and Repair
IT Consultants
Did you know?
The nature of work undertaken by some IT professionals means the difference between a public or professional indemnity claim can be difficult to determine. BizCover offers a liability package with combined Professional Indemnity and Public Liability insurance from the same insurer. That way, there can be no dispute between insurers as to which policy should respond to a claim.
What types of cover do IT professionals need?
IT professionals consider a range of cover to protect their professional reputation, equipment, and other business assets. Build an insurance package that fits you business needs and buy in minutes.
Popular cover for IT professionals:
IT professionals may also consider:
How much does IT professionals’ insurance cost?
The average cost of business insurance for IT professionals is $84 per month with BizCover.
However, the amount you pay will depend on factors such as the services you provide and your history of claims.
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How it works – buying online
5 easy steps to get instant cover online today
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5 Steps to get your biz insured:
- Enter Occupation
Search & select your occupation
- Choose Cover(s)
Select the cover you need
- Business Details
Tell us about your business
- Compare Quotes
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- Get Cover Today
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How to make a claim online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
Receive extra support We
will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 Steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
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See how much others have saved while purchasing policy through BizCover
Colette
Disability Care Worker from
NSW
Saved
$1,200
on
Public Liability and Professional Indemnity insurance
Andrea
Beautician from
VIC
Saved
$1,500
on
Business insurance Pack and,
Public Liability and Professional Indemnity insurance
Deborah
Cleaner from
VIC
Saved
$3,600
on
Public Liability insurance
Lance
Electrician from
ACT
Saved
$800
on
Public Liability insurance
Stephen
IT Professional from
VIC
Saved
$1,500
on
Information Technology Liability insurance
Linda
Restaurant owner from
NSW
Saved
$1,000
on
Business Insurance Pack and
Public Liability insurance
^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently Asked Questions
Professional Indemnity and Public Liability insurance each provide IT professionals with essential cover for different types of claims.
Professional Indemnity insurance* for IT consultants and businesses could help you cover claims like these and others related to mistakes, omissions, and general professional wrongdoing.
Public Liability insurance* for IT companies is designed to provide protection for you and your IT business should you accidentally cause an injury or property damage while working in a client’s premises.
Business Insurance is a customisable package that bundles different types of insurance to help protect your business assets, revenue and more. A Business Insurance Pack can be customised to fit your business needs. IT professionals often consider Building, Contents, Machinery Breakdown, Business Interruption, and Theft cover, just to name a few!
Cyberattacks, data breaches and other cyber incidents can create expensive bills and cause reputational damage. That’s why many IT professionals choose Cyber Liability cover for their businesses. Cyber Liability insurance* could provide an important safety net if your IT business experiences a cyber incident.
Hear from our customers
Real-life customer reviews verified by Feefo
Brilliant. It was so easy to get this done and it was the lowest quote. I spent a whole day getting multiple quotes but BizCover found the best one for me!
M Fernando
–
Pretty damn good UI and process, actually. Good work.
Michael C
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Great service. It beats to rigmarole I’ve had to go through previously. Business insurance used to be hard to find.
James H
–
Excellent service and price. It took me 10 minutes to finalise my PIPL insurance policy. The lowest price in the market. Very happy 🙂
Rabee R
–
Hard to believe how easy it was to get a quote and even purchase the policy. The cost was less than half of the best price my previous broker could provide for the same cover.
Bevan C
–
Real-life customer reviews verified by Feefo