An IT business typically requires multiple layers of protection:
- General Liability Insurance – for third-party bodily injury, property damage, or advertising-related claims.
- Professional Liability (E & O) – to cover lawsuits from alleged mistakes in your services, coding, or advice.
- Cyber Liability Insurance – provides coverage for data breaches, ransomware, or disruptions to your IT operations.
- Commercial Property Insurance – protects your office, servers, and equipment from physical damage.
- Commercial Auto Insurance – needed if your team uses company vehicles or travels to client sites.
