IT Consulting Insurance
Coverage recommendations, carrier options, and cost estimates for it consulting businesses — what you need, what it costs, and how to get covered.
Recommended Coverages
BOP
essentialBundles general liability, commercial property, and business income/extra expense into one policy. Agent note: BOP typically does NOT include professional liability — must be added separately
$1M GL per occurrence / $2M aggregate; Property limits vary by business personal property and building values
$500 - $3,500/year for low-risk small businesses; $3,000 - $10,000+ for higher-revenue or higher-risk classes
GL
essentialThird-party bodily injury, property damage, personal and advertising injury arising from business operations.
$1M per occurrence / $2M aggregate
$400 - $3,000/year for small businesses; $3,000 - $15,000+ for contractors and higher-risk classes
Cyber Liability
recommendedData breach notification costs, forensic investigation, credit monitoring, regulatory defense and fines, business interruption from cyber events, ransomware payments, and third-party claims from data exposure. For IT Consulting businesses, key exposures include data breach risk from client system access. Common claims include data breach at client site. Agent note: Cyber coverage is often contractually required by enterprise clients
$1M per claim / $1M aggregate for small businesses; $5M-$10M+ for larger organizations
$750 - $3,000/year for small businesses; $5,000 - $25,000+ for businesses handling significant PII or PHI
Professional Liability
recommendedClaims arising from professional errors, omissions, negligent acts, or failure to perform professional duties. For IT Consulting businesses, key exposures include high professional liability exposure. Common claims include project delivery dispute. Agent note: BOP typically does NOT include professional liability — must be added separately
$1M per claim / $2M aggregate is standard; higher limits for regulated professions
$500 - $3,000/year for low-risk professions; $3,000 - $20,000+ for attorneys, accountants, and healthcare
Workers Comp
situationalMedical expenses, lost wages, rehabilitation costs, and death benefits for employees injured on the job. For IT Consulting businesses, key exposures include low physical hazard. Agent note: Remote employees may create multi-state workers comp obligations
Statutory limits per state law; Employers Liability typically $500K/$500K/$500K
Based on payroll × class code rate × experience mod. Ranges from $0.50 to $30+ per $100 of payroll depending on classification
Get matched with a specialist broker
Harper is an AI-native commercial insurance brokerage with deep specialty and E&S market access — a strong fit for professional and harder-to-place risk (E&O, cyber, umbrella). It targets coverage in 24 to 48 hours.
Risk Profile
Physical
Liability
Professional
Property
Top Risks
- Low physical hazard
- High professional liability exposure
- Data breach risk from client system access
- Remote work common
- Contractual liability from SLAs
Carriers That Write IT Consulting
One of the largest small commercial writers in the U.S. with broad class appetite. Competitive BOP pricing and a streamlined agent portal with fast online quoting.
Broad appetite across most commercial classes with competitive package pricing. Strong multi-line capabilities — agents can bundle GL, property, auto, and umbrella under one carrier.
Known for competitive commercial auto rates and fast online quoting. Strong appetite for businesses with vehicle fleets and a growing BOP book.
Berkshire Hathaway-backed (AM Best A++) with competitive pricing for standard small business classes. Fully online quoting and binding process.
Cost Estimate
$5,000 - $25,000+ for businesses with $500K - $5M revenue
Key Pricing Factors
- Annual revenue ($500K - $5M is typical for this class)
- Employee count (5-50 is typical)
- Number of active clients
- Contract types (T&M vs fixed bid)
- Data handling practices
- Subcontractor usage
See the Per-Coverage Cost Breakdown
For median GL, BOP, WC, and auto premiums sourced from Insureon, plus a worked quote example and the underwriting questions to expect, see our it consulting insurance cost page.