Technology & IT insurance

IT and technology business insurance: what cover do you actually need?

In short: Most IT and technology firms need two covers at their core: technology professional indemnity (for claims that your work, advice or software caused a client loss) and cyber (for a breach of the data and systems you touch). Public liability, employers’ liability (a legal duty once you have staff) and media/IP cover are added to fit how you work. Use the tool below to see your mix.

Whatever you build, Apex places technology insurance across the UK market — tech PI, cyber, and combined policies matched to your work and your contracts. Get a quote or talk it through with a specialist.

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Reviewed by Apex Insurance Brokers · Last reviewed 2026-08-06

Apex works with IT contractors, MSPs, software houses, consultancies and security firms across the UK. The same question comes up every time: which of these policies do I actually need, and which are salespeople upselling me? The honest answer is that a handful of covers do the heavy lifting for technology firms, and the right combination depends on what you build, whose data you touch, and what your contracts demand. The tool below gives you a straight answer in seconds; the guides beneath it go deeper.

Which tech cover do I need?

Four quick questions. Nothing is stored — this runs entirely in your browser.

What does your business do?

Do you hold, process or access clients’ data or systems?

Do you employ any staff?

Do you visit client sites, or have clients / public visit you?

The two covers at the heart of every tech firm

Strip away the noise and two policies do most of the work for technology businesses. Technology professional indemnity (also called tech E&O) responds when a client says your work, advice or software failed and cost them money. Cyber insurance responds when your systems or the data you hold are breached or attacked. They cover different things and most tech firms genuinely need both — see how they differ and where the gaps are. Many firms buy them together as a combined technology policy.

Guides for your type of IT business

Tailored walkthroughs by what you do: IT contractor, IT consultant, MSP, software house, web developer, cyber security consultant, e-commerce developer, Shopify developer, Salesforce consultant, ERP/CRM implementation consultant, AI consultant, IT recruitment agency, telecoms provider, VoIP provider, IT reseller, and network & cabling installer.

Contractors: insurance and IR35

If you contract through your own company, be clear on one thing: insurance does not change your IR35 position — that’s a tax question for your accountant. What insurance does do is satisfy the contract. Agencies and end clients almost always require professional indemnity, public liability and employers’ liability before you can start. Read IR35 and insurance for IT contractors and whether IT contractors need PI.

Apex Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority (FRN 724952). This page and its tool are general information, not advice on a specific policy or a recommendation to buy any product. Insurance does not affect IR35 status, which is a tax matter — speak to a qualified adviser. Your requirements depend on your circumstances and contracts; speak to us for a tailored assessment.