Cover built for independent IT contractors.
If you contract into businesses to do IT work — support, projects, systems, infrastructure — your clients will very often require you to hold insurance before you can start, and to prove it with a certificate of currency. IT Contractor insurance is the cover that meets those requirements and protects you when a job goes wrong.
Why IT contractors need it
For most IT contractors, insurance isn't just risk management, it's a condition of winning the work.
- Clients require it. Businesses engaging contractors, especially larger ones, government, and enterprise, routinely require Professional Indemnity and Public Liability cover, specified in the contract, before you can begin.
- They want proof. A certificate of currency is often requested before your first day. No certificate, no start.
- They specify limits. If your cover is below what the contract requires, you can't sign, or you're in breach if you do.
So the cover often pays for itself by simply letting you take the contract.
What IT contractor insurance covers
At its core it's IT Liability — Professional Indemnity and Public Liability built for technology work.
Professional Indemnity (for contract IT work):
- Faulty configuration, integration, or work that causes a client loss
- A project or rollout that doesn't perform as contracted
- System downtime on the client's side traced to your work
- Data loss or corruption in your care
- Missed deadlines or SLA breaches
Cyber cover (packaged or separate) — if you access or hold client data and systems, worth arranging. Check the policy doesn't carry a full cyber exclusion.
Fast cover, fast certificate
What IT contractors ask us
Do I really need insurance as a contractor?
Almost always, most client contracts require it before you can start, and a single error on a client's systems can cause a loss far larger than your contract fee.
What limits do I need?
It's driven by your contracts. Common requirements are $1M–$5M PI and $10M–$20M PL. Match your cover to the highest requirement across the contracts you're signing.
Can I get a certificate of currency quickly?
Yes, that's a common contractor need, and we can arrange cover and the certificate so you can meet a client's requirement without delaying your start.
Is this different from what a permanent IT employee needs?
Yes, an employee is generally covered by their employer. As an independent contractor, the liability (and the contractual requirement to be insured) sits with you.