Comprehensive Insurance Solutions for Independent Tech Contractors

Tech contractors typically require professional indemnity insurance, public liability insurance, and cyber insurance. If you operate through a limited company, employers’ liability may also be required.

Yes, professional indemnity insurance is crucial. It protects you if a client claims your work, advice, or code caused financial loss, which is a common risk in the tech sector.

Cyber insurance is increasingly important for tech contractors handling sensitive data or working on client systems. It can cover data breaches, cyber attacks, and associated costs such as notification and recovery.

Yes, many clients require minimum levels of professional indemnity and public liability insurance before awarding contracts. This is especially common for corporate or government work.

Costs vary depending on your work type, turnover, and coverage levels. Many tech contractors can obtain cover from around £100–£400 annually for basic protection.

Professional indemnity policies usually include retroactive cover for past work, provided there has been no break in your insurance cover.

Your insurer will investigate the claim and, if covered, provide legal defence and handle any compensation. Prompt notification and good documentation are essential.

Yes, even remote tech contractors face risks such as professional errors, data breaches, and client claims. Standard home insurance does not cover business-related liabilities.