What does IT insurance cover?

With the right policy set, your IT business is protected from: 

  • Third‑party claims: injury, property damage, improper advertising (general liability). 
  • Service errors or professional mistakes leading to client loss (E&O coverage). 
  • Cyber risks: data breaches, downtime, or ransom payments after an attack. 
  • Property losses: damage to your hardware or office from theft or disaster. 
  • Auto claims: if delivering equipment or visiting clients by company vehicle. 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.