Independent Contractor Insurance

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Insurance for IT Professionals

... ). It is also becoming a more common requirement for independent contractors to hold and maintain their own Professional Indemnity insurance policies. Public Liability Insurance* Chances are you spend most of your time ...

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Who is Covered Under an IT Liability Policy?

... or future employees; and Upon request, Contractors, Sub-contractors as individuals as well as liability arising out of the work performed on behalf of the entity. IT Liability insurance policies need to provide cover to ...

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How to become an independent contractor

... in order get in touch with us here at BizCover. We understand all types of contractor businesses and believe insurance should be simple with no-dramas. Receive multiple quotes in minutes from some of Australia's ...

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The Benefits of Independent Contracting

... that's right for you! Protecting Yourself as an Independent Contractor Before you set up contract work, you may want to consider business insurance. Independent contractors are responsible for all parts of their business ...

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How to manage your finances as a contractor

... state of play as you continue to ply your trade as an independent contractor. When you set up as a contractor and choose BizCover for your contractor insurance * you'll enjoy the convenience of being able to compare ...

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What to look out for in a contractor agreement

... But they also have a lot in common, including the need for business insurance* in the form of contractor insurance. We know independent contractors are busy, which is why we've created an amazingly simple and convenient ...

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Do I need a contractor licence in NSW?

... than other professionals. But they also have a lot in common, including the need for business insurance *. We know independent contractors are flat out, which is why we've created a truly simple and convenient way to ...

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Top 10 marketing ideas for contractors in 2023

... knows about it. Marketing your business as an independent contractor can be difficult. You have limited time ... should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and ...

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Handyman vs contractor: Which is right for you?

... registered or licensed by an independent government body. The contractor will be required to ... call today on 1300 920 864 for a quote and get your handyman insurance * sorted in minutes and get on with your day. We don ...

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Information Technology Liability Insurance

... contractual requirement for independent contractors to hold and maintain their own Professional Indemnity insurance policies. Public and Products Liability insurance Public Liability insurance is designed to provide ...

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Insurance for the Self Employed

... claim or lawsuit comes your way. You might want to consider insurance if you are: Newly self-employed An established business owner An independent contractor Operating as a sole trader No matter what occupation or trade ...

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Hiring a contractor checklist and tips

... As a business you have less exposure to legal liability because contractors will have their own insurance policies in place Cons of hiring a contractor Having contractor workers make up part of your workforce is not the ...

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How to price a job as a contractor

... business, let us lend a hand by taking care of your business insurance *. BizCover offers insurance solutions for all kinds of contractors, giving you peace of mind coverage with no dramas. ***This information is ...

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How to become an independent support worker

... your business insurance sorted Just like many businesses in Australia, independent support workers ... want to expand your business, perhaps by hiring staff or contractors, or becoming an NDIS Registered Provider. If you are ...

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Insurance for Engineers

... regular contact with clients, contractors and the general public. Public Liability insurance is designed to provide ... and construction delay costs. An independent engineering expert identified that the engineer ...

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Insurance for Contractors and Subcontractors

... Trusted by over 220,000 Australian small businesses Compare quotes from our trusted insurance partners*: Why do Contractors need insurance? Being a contractor is an exciting way to work for yourself. You enjoy a lot of ...

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Top 6 mistakes to avoid when hiring a contractor

... you may assume everything is in order, it's a good idea to verify that a contractor has up-to-date insurance. Like any profession, contractor mistakes can happen, so it is vital to ensure that they are covered if things ...

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Insurance for Roofers

... and run your business—from drills and grinders to your laptop and smartphone. Why do roofers need insurance? Roofing contractors work in a risky field, but there's more to that risk than just working at heights. Third ...

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Insurance for Electricians

... policy. Your customers, clients, and the contractors you work with may rely on your electrical ... Equipment * cover, which can be added to your Business Insurance Pack, covers you for loss and damage to your tools and ...

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How to Become a Cleaning Contractor

... for success. Have you got your cleaning business insurance sorted? While you're busy building your cleaning contractor business, let us help with your cleaning business insurance *. We'll sweep up and neatly present all ...

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How To Become a Roofer or Roofing Contractor

... a roofer. Even if you follow safety measures at all times, accidents and mistakes can still happen. Insurance for roofer contractors is one way to help minimise these risks, so they don't completely derail your business ...

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Public Liability Insurance In Brisbane

... onsite to a client's property, or if you have clients or contractors come to your office, you should consider purchasing public liability insurance. In the event that you, as the architect, or architect consultants, make ...

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Public Liability Insurance NSW

... paying for unexpected accidents - they do happen! Public Liability insurance is designed to provide protection for you and your business ... … Product Liability explained further… Independent feedback from our customers rated ...

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Public Liability Insurance WA

... s antique property? A Public Liability insurance policy will help give you peace of mind. Public Liability explained further… Product Liability explained further… Independent feedback from our customers rated our service ...

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Cyber Liability Insurance

... Independent feedback from our customers rated our service at excellent. What does Cyber Liability insurance typically cover? Cyber liability insurance ... owners sweat. Cyber Liability Insurance can assist in managing your ...

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Public Liability Insurance NSW

... further… Product Liability explained further… Independent feedback from our customers rated ... already… and counting. Built for small business We know insurance and what makes small businesses tick. Clear and competitive ...

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Personal Accident and Illness Insurance

... can get quotes and P ersonal Accident and Illness insurance within minutes and once covered you will be protected 24/7! **Maximum limits apply Independent feedback from our customers rated our service at excellent. What ...

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Public Liability Insurance QLD

... s antique property? A public liability insurance policy will help give you peace of mind. Public Liability explained further… Product Liability explained further… Independent feedback from our customers rated our service ...

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Business Insurance

... you are doing business. Excellence in Customer Service Independent feedback from our customers rated our service at excellent. What is typically covered by Business Insurance? A) Material damage loss for your physical ...

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Insurance for Nurses

... career or possibly drain your assets. Thankfully, Professional Indemnity insurance is there to give you peace of mind if you ... if you perform full-time, part-time, independent or contract work. It may also be required ...

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Tax Audit Insurance

... fees can be substantial. With the right Tax Audit insurance in place, you can at least minimise the cost of ... all of the stress. Excellence in Customer Service Independent feedback from our customers rated our service at ...

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Management Liability Insurance

... all the blood, sweat and tears by not having the right Management Liability insurance in place? Excellence in Customer Service Independent feedback from our customers rated our service at excellent. What is included ...

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Professional Indemnity Insurance

... further… Excellence in Customer Service Independent feedback from our customers rated our ... and expert fees). When it comes to making a claim on your insurance, we understand that it can be a difficult time and that's ...

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Earthmoving and Excavators Insurance

... to lease a workshop or warehouse space for your small business. Why do earthmoving contractors need insurance? Construction can be a dangerous field, especially for earthmovers and excavators. Working with large ...

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Tools of Trade insurance – The definitive guide

... be stolen or misplaced; they may also be damaged due to overuse and wear and tear. And this is when trade tools insurance can save the day for tradies. Do you give names to your tools and have pep talks with them? Do you ...

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Insurance for Painters

... not usually cover the work of subcontractors. Therefore sub-contractors should consider maintaining their own public liability insurance. Insurance for Painters Public Liability Insurance In the world of painting, it's a ...

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Do I Need Public Liability insurance?

... 's license. It may also be a requirement under a government or private client contract, or as part of a lease agreement for renting commercial property. Do I need Public Liability Insurance if I have a home-based ...

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Insurance for Personal Trainers

... is important to keep your business fighting fit.  In fact, it's likely that Public Liability insurance is required if you operate as a contractor to a gym or fitness studio, or to obtain a council permit to operate your ...

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Insurance for Disability Workers

... protection for you while you help your clients. Whether you a sole trader, contractor or carer possibly as part of the National Disability Insurance Scheme (NDIS), you could be exposed to risks which may result in a ...

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Insurance for Landscapers

... also to your business' s reputation. Are you a contractor? Consider your contractual obligations which may require carrying a minimum level of Public Liability insurance before you set boots on the job. Public Liability ...

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Insurance for Tradesmen

... company's reputation. If you're working as a contractor, you should also consider your contractual obligations to carry a minimum amount of Public Liability insurance. You may also be required to hold Public Liability ...

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Public Liability Insurance for Cabinet Makers

... in place. Regardless if you are self-employed, a sole trader or a contractor, there are business insurance options to suit your busi ness and its needs. Let's take a look at what is often one of the most important ...

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Insurance for Cleaners

... or you accidentally knock over your client's antique vase smashing it to pieces - the list could be endless. Business Insurance If you rely on your own cleaning equipment to run your business how would you cope if it was ...

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Does Public Liability insurance cover employees?

... learning. We will also answer some other key insurance for employees questions, such as does Public Liability cover contractors. What does Public Liability insurance cover? Public Liability (also referred to as Personal ...

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Insurance for Civil Engineers

... , as a civil engineer you will likely be having regular contact with clients, contractors and members of the public. Public Liability insurance  is designed to provide protection* for you and your business in the event ...

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What is Professional Indemnity Insurance?

... awarded a contract Example professions: Health Professions , IT Contractors , Management Consultants , Accountants , Estate Agents etc. Professional Indemnity insurance provides a financial safeguard to help protect your ...

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Insurance by Industry

... are aware that those who operate in varying industries, often have specific insurance needs and so we aim to provide a policy to suit you ... Cleaners Concrete Contractors Concrete Pumping Consultants Contractors and ...

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Public Liability Insurance in QLD

... to make you smile! Frequently Asked Questions on QLD Public Liability Insurance Electrical contractors in Queensland must have Public Liability insurance to receive, maintain, and renew a licence. By law, electrical ...

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Business Insurance Perth

... to protect all types of businesses from self-employed tradies to professional contractors and sole traders, just to name a few. Business insurance is there to safeguard your business from the various types of risks ...

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Business Insurance Melbourne

... of business structures like sole traders, contractors and self-employed businesses for example from ... this is at your home-based business. Public Liability insurance can provide peace of mind and protection from potential ...

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Insurance for pharmacy and pharmacists

... answer is probably yes. Chances are you'll have regular contact with clients, contractors and the general public. Public Liability insurance is designed to provide protection for you and your business in the event a ...

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Cyber Insurance: Is it worth it?

... account and drivers license details of 500 on-hired contractors were stolen. Or the Accounting firm, which had ... ) information, you need it. Isn't my other insurance cover enough? Take time to review your current policies ...

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Insurance for Convenience Stores

... answer is probably yes. Chances are you'll have regular contact with clients, contractors and the general public. Public Liability insurance is designed to provide protection for you and your business in the event a ...

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Insurance for Carpenters

... the fees charged by you to complete the job. What insurance do carpenters need to consider? Get to know the common ... to provide professional advice to clients or other contractors. But if you misspeak or give an incorrect ...

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Insurance for Cafes

... answer is probably yes. Chances are you'll have regular contact with clients, contractors and the general public. Public Liability insurance is designed to provide protection for you and your business in the event a ...

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Insurance for Electrical Engineers

... such a 'hand's-on-job' you are likely to be in regular contact with clients, contractors and the general public. Public Liability insurance is typically an important form of cover for engineers and is designed to provide ...

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Insurance for Architects

... answer is probably yes. Chances are you'll have regular contact with clients, contractors and the general public. Public Liability insurance is designed to provide protection for you and your business in the event a ...

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Professional Indemnity Insurance cost

... architects, IT contractors, management consultants, real estate agents and other allied health professionals. Even professional photographers should consider holding Professional Indemnity insurance. By analysing ...

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Insurance for Plasterers

... lifting when it comes to arranging your business insurance, providing competitive quotes online or over the phone in minutes. Did you know? If your business hires sub-contractors, take the time to check that they have ...

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Legal Requirement for Public Liability Insurance

... interact with public space (construction, parks etc.), or welcome visitors and sub-contractors should check to see whether there is public liability insurance is in place first. In the trades industry, there may also be ...

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Public Liability Insurance VIC PPC

... to simply get an instant online quote. *We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was ...

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Insurance for Tutors

... Tutors need it? While you take all the care to deliver professional advice and services to your students, an insurance claim can have a devastating impact on your tutoring business. Don't learn your lesson the hard way - ...

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The benefits of Professional Indemnity insurance

... takes is for a claim to send it all crashing down. Avoid the drama by having your Professional Indemnity insurance there to cover the cost of the claim. With some policies the cost of related public relation expenses may ...

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What is run-off insurance and who needs it?

... means they only cover claims which are made while the policy is active. The purpose of the Run- Off insurance is provided cover that extends beyond the last date of your business trading if I claim were to occur. Not ...

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Insurance for Pet Professionals

... associated with your business. These can include tools of trade and items of stock. Personal Accident and Illness insurance Take a moment to consider if you were to suffer an accidental injury or fall ill. What impact ...

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Reviews related to Independent Contractor Insurance

  • You make life a lot simpler in choosing business insurance. Thank you.

    Paulus A
    Information Technology

Why do IT professionals need insurance?

Just because you’re busy programming, coding, testing, debugging or doing other techy stuff doesn’t mean you can’t get the right insurance. Being the IT person that you are, we don’t need to convince you that getting multiple quotes online, in minutes, is the quickest and most efficient way to secure great insurance cover for your business.

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 is able to offer 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.

Insurance for IT Professionals

Professional Indemnity insurance*

The IT world is a fast-changing environment, and whether you’re involved in project management, development, testing or analysing systems this kind of work can be risky business. Does your software code contain errors?   Was there a loss of documents or data as a result of your negligence? As the saying goes, the problem with troubleshooting is that trouble shoots back.

Professional Indemnity insurance provides much-needed financial protection for a wide variety of IT professions. It secures IT professionals and their businesses against claims against them for potential losses arising out of actual or alleged negligent acts or omissions in the provision of professional services or advice.  For claims covered by the policy, it does this by paying compensation due to the third party, together with assisting with defence costs (these are the reasonable costs incurred in investigating and defending a covered claim, including legal fees, expert fees and court costs). It is also becoming a more common requirement for independent contractors to hold and maintain their own Professional Indemnity insurance policies.

Public Liability Insurance*

Chances are you spend most of your time visiting your client’s offices. Public Liability insurance is designed to provide protection for you and your IT business in the event a customer, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities.

Business Insurance*

If any of the following circumstances relate to your business then you should consider Business Insurance to provide additional protection:

  • Do you own the office where you work?
  • Does your commercial lease require your business to insure glass or building contents?
  • Do you carry or hold stock?
  • Do you rely on computing equipment/servers to get your work done?
  • If the answer to any of these questions is yes, you might want to consider Business Insurance for coverage of one or more of building, contents, machinery breakdown, repairs, theft, restoration or even business interruption insurance.

Cyber Insurance*

Consider the client information or data you may be storing. Do you have plan if your systems suffer a data breach, are hacked or subject to ransomware attack?  Perhaps you should consider if Cyber Liability insurance is right for your business. A cyber liability insurance policy is designed to help protect you from claims and support your profitability in the event of a cyber breach or attack. Costs associated with defending a cyber claim are also covered.  Examples of the types of risks Cyber Liability insurance can assist with are inadvertent loss or release of customer personal information, cyber crime, cyber extortion/ransomware and business interruption due to a cyber event.

The wrong advice

An IT contractor was engaged to recommend and provide a management system for professional services client.

There were a number of problems with the system including crashes and loss of company and customer data. The client lodged a claim against the IT contractor for breach of contract and compensation for damages due to the lost data and loss of revenue whilst the client was unable to service his customers.

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*The information provided is general only and should not be relied upon as advice. No guarantees are provided as to pricing for individual risks.
*As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.
*Savings made in May 2023 on IT Liability policy. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
*Savings made in May 2023 on IT Liability policy. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
*Savings made in May 2023 on IT Liability policy. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
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