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Key features
Can protect your business:
If you’re sued by a client for breach of contract
If you unintentionally infringe a third party's intellectual property
Mitigation costs to help rectify a problem prior to a formal claim being made
Loss of documents and data
Regulatory body awards made against you
Cyber liability
Computer viruses
We can arrange cover for:
Sole practitioners / IT contractors
IT Training companies
Hardware resellers
Software resellers
Security software programmers
General software programmers
Packaged software companies
Network installation / maintenance companies
Digital agencies
Website designers
Please Note: This list of professions is not exhaustive
There are exceptions and limitations for every type of insurance cover. Aon will discuss any exclusions or limitations that may apply to your policy as part of the quotation process
How to make a claim
In the event of a claim, notify your client manager who can guide you through the process as soon as possible.
Frequently Asked Questions (FAQs) about PI insurance for the industry:
1. What is Professional Indemnity Insurance?
Professional Indemnity insurance provides cover should a third party suffer a financial loss as a result of your professional error, omission or negligence.
2. What does “any one claim” mean?
The limit of indemnity purchase is in respect of each and every claim from separate acts of negligence notified to insurers during the period of insurance.
3. What Professional Indemnity limit should I consider?
We would recommend you review your contracts both pending and current to assess whether your limit of Indemnity is sufficient.
4. Does being a limited company or sole trader make any difference?
From an insurance point of view, this will not materially affect the quotation provided. Should you change the status of your business during the insurance year, please contact us immediately so that we may notify underwriters.
5. Will my policy cover sub-contractors?
Yes, the policy will cover your IT contractors or consultants. This is only provided, if you have taken reasonable steps to ensure that our rights of recovery against your sub-consultant are not restricted or financially limited by a specific term in a contract or other agreement. Also, the insured will need to declare the sub-consultant fees in the proposal form.
IT Consultants Professional Indemnity insurance is arranged by Aon UK Limited which is authorised and regulated by the Financial Conduct Authority.
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