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IT contractor insurance helps safeguard your business in the digital world.

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Keep your networks running with IT contractor insurance.

IT contractor insurance for your complex industry.

As an IT contractor, whether you’re helping a business set up a computer network or developing software for a client, you want to make sure your work is accurate and operating smoothly. However, mistakes happen. When they do, you could be held liable for them. For example, let’s say the software you develop has a coding issue you didn’t catch that results in the client losing all their data. Errors and omissions liability insurance (E&O) may help cover the costs of defending lawsuits filed against you if you’re accused of an error, making it a critical part of your IT contractor insurance policy.

Protect your expensive technology.

While a general commercial property insurance policy is important to have, you may want to consider supplementing it with a systems breakdown insurance policy. As IT contractors, you work with often expensive technological equipment like servers, hard drives, and other computer components. Systems breakdown insurance as part of your IT contractor insurance policy may help your business in the event that your equipment is damaged and needs to be repaired or replaced. In some cases, it may protect against loss of business income, though most likely at a higher premium.

  Why do IT contractors need insurance?

As an IT contractor, people and businesses alike rely on your knowledge of a complex field to help give them access to the digital world. This also means you’ll come into contact with some risks unique to your business, which is why having a comprehensive IT contractor insurance plan is important to help keep you protected.

Working in the digital world makes you a target for hackers.

As IT contractors, you probably understand the benefits of working with all things digital, but you also know the risks better than anyone. You hear about hackers and warn clients all the time, but are you following your own advice? Cyber liability insurance may help protect your business in the event of a data breach. It offers protection against the costs of notifying your clients, potential fraud monitoring, and any other legal expenses that result from the breach, such as client lawsuits.

Provide coverage for employees if they get hurt.

You wouldn’t necessarily think that being an IT contractor could be a dangerous job, but it certainly has its own unique hazards. By working with technical equipment, you’re exposing your employees to potential injury. One faulty bit of wiring in a server your contractor is working on could land them in the hospital, putting you in the hot seat if you aren’t properly covered. Workers’ compensation insurance is important to have as part of your IT contractor insurance coverage as it may provide coverage for your employees if they get injured on the job by covering medical costs, lost income, and more.

Cover the basics of your IT contracting business.

There are some basic coverages you may want to obtain as part of your IT contractor insurance plan. The nature of your work likely requires travel to client sites. Business auto insurance may help cover your vehicles if they are involved in an accident while on company business. Since you’re going out to client sites, general liability insurance is another important coverage since it may protect you from liability resulting from damage to other people or their property. As mentioned before, commercial property insurance is a key part of your plan as it may help cover the costs of damage to your business’s building, equipment, and more as a result of fire, water damage, or theft.

If you’re looking to learn more about IT contractor insurance, contact us to get started.

Find Your Coverage

We’re here to help you explore your coverage options.

Request Quote

Contact One Street Insurance Group

Our Aurora, CO Office

1010 South Joliet Street
Suite 200
Aurora, CO 80012

Email Us
 303-577-9922 fax

Let’s Get Started

  1. Step 1Fill out the form.
  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

IT Contractor Insurance Quote Request

Application information

Current Address
Own or Rent?
Date of Birth

Co-Applicant Information

Date of Birth

Other Drivers

Driver #1

Date of Birth

If current student, please answer:

Driver #2

Date of Birth

If current student, please answer:


Vehicle #1

Vehicle #2

Vehicle #3

Vehicle #4

Vehicle #5

Do you have custom equipment?



Home Information

Do you have a declaration page you can send us?
Is the property currently insured?
Is this a new purchase?

Property Information:

Central Alarm:
Pool/Hot Tub:
Do you have a dog?
Bite History?

A few final questions about other services we offer.

Umbrella Insurance:

In short, Umbrella Insurance protects you when the limits of your auto, homeowners, or other personal liability insurance policies are exhausted and you face potential lawsuits and/or millions of dollars of damages. Umbrella Insurance Policies provide coverage for bodily injury and property as well as things your regular policies don’t normally cover.
Would you like more information about umbrella coverage?

Life Insurance:

Life Insurance, quite simply, is an insurance policy that pays a beneficiary or beneficiaries of your choosing in the unfortunate event of your death. Unlike most insurance policies, you may never see the benefits of the policy but the people you care about and rely on you surely will.
Are you interested in a life insurance quote or current policy review?

Commercial Insurance:

If you own your own business we would love the opportunity to insure that as well. We have the ability to insure most business types, have several companies that we work with and offer most policy types.
Would you be interested in a commercial insurance quote?
This field is for validation purposes and should be left unchanged.

Don’t like forms? Contact us at 303-577-9998 or email us.

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