Insurance for Technology & IT Professionals

Why Technology & IT Need Specialist Cover

Code, data and client systems create risks that sit outside standard business cover — professional indemnity and cyber liability address different parts of it.

• A bug, security flaw or coding error in software you built causes a client financial loss — professional indemnity covers claims of this kind, which a standard business policy doesn't
• Handling client data — even just names and emails in a CRM or hosting platform — brings UK GDPR and Data Protection Act 2018 obligations, and a data breach can trigger both regulatory action and third-party claims from those affected
• Cyber liability insurance is a distinct product from professional indemnity — it covers costs like breach notification, forensic investigation, ransomware response and business interruption from a cyber incident, which PI alone doesn't address
• Many IT contractors work through their own limited company under IR35 rules — check whether your PI policy is written to your company or to you personally, since this affects who's actually protected
• Visiting a client's office or data centre to fix hardware or manage infrastructure brings standard public liability risk on top of the professional or cyber exposure from the work itself
• A dispute over whether delivered code or a system met the agreed specification is a common trigger for a claim, even where no data was lost or breached — professional indemnity covers the cost of defending this as well as any damages

Frequently Asked Questions

Answers to common questions about professional indemnity, cyber liability and public liability for UK tech and IT businesses.