Information Technology Businesses

One Policy For All Your Business Requirements
This is a suite of insurance modules we have developed for IT Professionals giving you the flexibility to meet all of your insurance needs in one policy. Covers include:

• Professional Indemnity
• Employers’ Liability
• Public liability
• Employment Practices Liability
• Directors and Officers Liability
• Internet
• Property insurance
• Computer
• Consequential Loss

For a quotation, simply download and complete the proposal form and return it to Brennan Insurances.

Your Risks

Clients often have high expectations of their consultants and most of the time you won't have a problem delivering. However, through no fault of your own, your clients may not always fully understand what you do. This can lead to false expectations and disappointment on the part of the client. You may be sued for breach of contract and this could prove costly. In fact, you could be sued for an amount far in excess of the value of the job. That's where your insurance partner comes in. When things go wrong your Hiscox Professional Indemnity Insurance is designed to protect your financial interests. The specialist policy can also protect your professional reputation and, most importantly, your relationship with your clients.

You're Covered

The policy has been specially designed to protect the unique relationship a professional has with their client and therefore has several outstanding features, which you would not find under a standard policy. In addition to providing a very wide level of base cover, the policy is designed to protect your commercial relationships. For example within the mitigation of loss cover, to avoid a larger valid claim being made under the policy where a project has gone wrong:

• The policy will pay fees due to you where your client refuses to pay
• the policy will pay the sub contractors you are committed to paying.

The 'plain English' policy also provides:

• Broad civil liability cover - if it's not excluded, it's covered.
• Fidelity - The policy covers you for your own losses arising from the dishonesty of your employees or self employed freelancers.
• Loss of documents - The policy covers the rectification costs of lost or damaged documents or data of a professional nature.
• Intellectual property - The policy covers you for infringing others’ rights including copyright, music rights, trademark, moral rights or an act of passing off.
• IT interpretation - As software can legally be recognised as both the provision of a service or the supply of goods, the policy covers claims for both of these legal interpretations.
• Breach of contract - If something goes wrong you are likely to be sued for breach of contract, so the policy covers you for unintentional breach of certain specific and implied terms of a contract.

A terms of business document must be completed and returned with the proposal form.