IT Consultant Insurance in Tennessee

Common risks for IT consultants and programmers

• Software errors or outages
• Data breaches
• Missed deadlines
• Intellectual property claims
• Contract disputes

Coverages IT consultants and programmers often consider

• Professional liability (E&O) Often called tech E&O. Ask if it includes cyber.
• Cyber liability Helps respond to data breaches, ransomware, and payment fraud, including notifying customers.
• General liability Helps if your business is blamed for injuring someone or damaging their property, and usually pays for a legal defense.
• Business owner’s policy (BOP) Bundles general liability with coverage for your business property, and often business income, for many smaller businesses.

Not every business needs every coverage. The right mix depends on your work, your contracts, and your budget. All coverage is subject to underwriting and the terms of the policy.

What a claim could look like

For example, imagine a client’s online store goes down for a day after an update you made, and they claim lost sales. A claim like that may go to professional liability, depending on the facts and policy terms.

This is a hypothetical example for education only. Whether any claim is covered depends on the facts and your policy terms.

Tennessee rules to know

Workers’ comp. Most Tennessee employers outside construction and coal mining must carry workers’ compensation once they have five or more employees, full- or part-time, per the Tennessee Department of Labor and Workforce Development. Even below that number, many owners choose to carry it.

We can review your requirements and help you shop workers’ compensation and the other coverages above with carriers that write IT consultants and programmers, subject to underwriting.

Certificates of insurance

Client contracts commonly require tech E&O and cyber certificates.

A certificate of insurance shows your coverage on the day it’s issued. If a contract asks for additional insured status or a waiver of subrogation, the policy usually needs an endorsement, not just a line on the certificate. Our certificate of insurance checklist walks through what to check.

What affects the cost

• The type of work you do and how it’s classified
• Annual revenue and payroll
• Number of employees and any subcontractors
• Where you work and the value of your equipment or property
• The limits and deductibles you choose
• Your claims history and years in business

We can’t promise a price ahead of time, but we can compare options and explain the trade-offs in plain English.

How Eric can help IT consultants and programmers

Professionals working from offices in downtown Nashville, Cool Springs, Mt. Juliet, and Murfreesboro, or from home, often need proof of coverage for client contracts. As an independent agent affiliated with Hutsenpiller Insurance, Eric can review what you have, read your contract requirements with you, and help you shop options with more than one carrier. See how an independent agent works for you.

Related guides

• Professional Services Insurance in Tennessee
• All business types we can help
• Business insurance in Middle Tennessee
• General liability insurance
• Business owner’s policy (BOP) 101
• Certificates and additional insureds explained
• Business interruption insurance
• General liability vs. professional liability
• Small business insurance checklist (PDF)
• Certificate of insurance checklist (PDF)