Business insurance for tech & digital professionals
Protect your tech & media business with insurance tailored to your activity
Whether you build software, secure IT systems or host websites, a mistake or an accident can cost your client money. Public Liability and Professional Indemnity cover you in Ireland.
Business insurance, done differently.
Fully online business insurance in Ireland.
A few questions and you're covered.
No lock-in, no long contracts.
Excess from €0, up to €6.5 million of cover.
Our insurance is for
Why business insurance is essential as a tech and digital professional
Cients build their operations on what you deliver. From a data migration to a system you host and maintain, these activities share common exposures:
Mistakes in your work: a bug that gets through, a flawed data migration, or an analysis that leads a client to the wrong decision.
Deliverables that don't do what was agreed: a build that misses the specification, or a system that doesn't perform as promised.
Security incidents: a vulnerability you introduced, or client systems, networks or data affected by something that went wrong on your side.
Accidents on a client's site: damage or injury you cause during a meeting or an installation.
Professional indemnity covers the client's financial loss and the cost of defending you. Public liability covers the injury and the damage.
What is Public Liability insurance?
How does it work: If a third party, like a client or a member of the public, holds you responsible for an injury or for damage to their property, Public Liability insurance takes care of your defence costs and any compensation due.
What does it cover: Injury or property damage caused to others in the course of your work. You choose a cover limit of €1.25 million, €2.5 million or €6.5 million per claim. Optional cover can be added: Employers' Liability (€13 million per claim) if you have staff.
Cover that fits your profession: You describe your activities fully at sign-up, and your cover matches what you actually do: whether you write software, manage IT systems, run cybersecurity audits or host websites.
Your excess: The amount you pay yourself towards a claim. The options are €0, €250, €500, €1,000 and €2,500, with €0 and €250 available up to €500,000 annual revenue; above that the minimum is €500.
Is it mandatory: Public liability isn't required by law in Ireland. Clients, co-working spaces or public bodies may still ask you to hold it before a project starts. Cover starts from €7.55 per month.
Who needs it: Any tech or digital business that meets clients, visits sites or works on others' premises: developers, IT consultants, systems integrators and web hosts.
What is Professional Indemnity insurance?
Professional Indemnity covers the purely financial loss a client suffers because of a mistake in your professional work: wrong advice, a miscalculation, a missed detail, or an error in something you delivered. It doesn't cover injury or damage to property, that is Public Liability.
What counts as a professional mistake: For tech work, that could be a coding error, a flawed integration, wrong technical advice, or a security gap that causes a client financial loss.
Who is it for: People whose work is advice, expertise or deliverables rather than hands-on work: developers, software engineers, IT consultants, cybersecurity specialists and web hosting providers.
How does the cover respond: It's written on a claims-made basis: the claim must be made and reported to us while your policy runs. If you switch to us from another insurer, work from up to 5 years back is covered, provided your previous policy would have covered the claim. Leaving? Claims about work done while you were insured must be reported before your policy ends, unless run-off cover is arranged.
Cover that fits your profession: You select your activities when you apply, so the policy and its exclusions match what you actually advise on and deliver. Keep in mind that promising or guaranteeing results is excluded. You choose a cover limit from €125,000 up to €1.25 million per claim, and up to twice that per insurance year.
Is it mandatory: Professional indemnity isn't required by law in Ireland, though clients, agencies and public-sector contracts frequently make it a condition of working with you. Cover starts from €10.80 per month.
Which cover do you need?
Most businesses are exposed to both. One covers injury and damage, the other financial loss from your work. You can combine them in one Insify policy. Cover limits, excess and exclusions apply. See the policy wording.
Public Liability insurance
Covers claims when your work injures someone or damages something that belongs to them. For example, someone trips over your equipment, or you damage a floor while working at a client's premises.
- Choose your cover: from €1.25 million up to €6.5 million per claim, and up to twice that per insurance year
- Excess from €0, depending on your turnover
- Staff? Add optional Employers' Liability with €13 million cover per claim
- Most relevant when your work brings you into contact with clients, the public, their premises or their belongings
Professional Indemnity insurance
Covers purely financial loss a client suffers through a professional mistake, oversight or wrong advice, with no injury or property damage involved. Think of work a client claims was unfit for purpose and cost them money.
- Choose your cover: from €125,000 up to €1.25 million per claim, and up to twice that per insurance year
- Excess from €0, depending on your turnover
- Most relevant when clients pay you for advice, programmes and plans
What's covered
Rendering of software development services, publishing of software
Rendering of IT consulting services, system, software and network testing
Rendering of IT management services
Rendering of data processing and web hosting services
Developing, producing and publishing standard software and standard apps
Development of recommendations on hardware, software and communication technology as well as participation in their implementation, coaching and performance of trainings
System, software and network management (incl. installation, updating and repair of software), data recovery
Temporary placement of own personnel (such as through an employment agency or secondment agency) within the covered activities, Interim management within the covered activities
Data processing and data entry, hosting (such as storage of websites, storage of data, cloud services), web hosting (such as application hosting, website hosting), managing and maintaining websites, registering domain names, setting up and maintaining name servers
Participation in or execution of business trips, organisation and execution of company events, seminars or training courses, use of land, buildings or premises for the insured activity
Optional Employers' Liability (€13 million per claim) if you have staff
Operating of social media websites (i.e. websites where users can create and/or share content such as text posts, comments, images, videos, music, podcasts), operating of streaming services (such as film and music streaming)
Planning, design, construction, software development, manufacture, supply, trade or supervision of machines that directly control the manufacturing process of products (such as programmable logic controllers)
Planning, design, construction, software development, manufacture, supply, trade or supervision of baggage handling systems for airports
Errors that lie exclusively in the area of responsibility of a third party (e.g. manufacturer or supplier) or failure or defective provision of internet providing or telecommunication services by third parties, insofar as the policyholder has waived his right of recourse against this third party
A contractual clause increasing liability (such as a fine, indemnity, warranty, performance commitment), promising or guaranteeing results (such as yields, profitability and the like)
Infringement of any patent
financial services (such as brokerage and/or sale of insurance and/or investment products)
Cover and exclusions shown are indicative and non-contractual. Only the terms of your policy apply.
Some examples
You advised a client on a cloud migration and a configuration error led to data loss and downtime. Professional indemnity covered the client's financial loss and your legal defence costs.
A bug in software you delivered corrupted a customer's records, and they claimed for the financial impact on their business. Professional indemnity responded to the claim.
During a meeting at a client's office you knocked over and damaged their equipment. Public liability covered the repair costs.
You advised a client on a cloud migration and a configuration error led to data loss and downtime. Professional indemnity covered the client's financial loss and your legal defence costs.
A bug in software you delivered corrupted a customer's records, and they claimed for the financial impact on their business. Professional indemnity responded to the claim.
During a meeting at a client's office you knocked over and damaged their equipment. Public liability covered the repair costs.
Examples are for illustrative purposes only. Compensation depends on the exact circumstances of the claim. No rights can be derived from these examples.
Your business insurance with Insify SmartGuide
Taking out insurance can be quick. Making sure you have the right cover is another matter. With Insify SmartGuide, you don't sign a contract blindly. You ask all your questions, and get clear, immediate and personalised answers, before you take out a policy.
Are you covered if you accidentally damage a client's equipment while working?
What excess should you choose?
Are you protected in the event of a dispute with a client?
Insify SmartGuide guides you step by step to understand what's covered, what isn't, and why. In just a few clicks, you build insurance that's truly tailored to your business, with complete confidence. Try Insify SmartGuide. Understand your insurance before you need it.
More than 40,000 entrepreneurs trust us
When I had to make a claim, I was amazed how quickly and efficiently it was handled. Within a few days I had a resolution.
Very friendly, quick and thorough. It gives me real confidence in taking out the cover. The company feels genuinely transparent, exactly what I look for. You don't find that often.
Very friendly, quick and thorough. It gives me real confidence in taking out the cover. The company feels genuinely transparent, exactly what I look for. You don't find that often.
When I had to make a claim, I was amazed how quickly and efficiently it was handled. Within a few days I had a resolution.
The cover itself was sorted quickly, and when I later needed support I got that fast too.
Very friendly, quick and thorough. It gives me real confidence in taking out the cover. The company feels genuinely transparent, exactly what I look for. You don't find that often.
When I had to make a claim, I was amazed how quickly and efficiently it was handled. Within a few days I had a resolution.
The cover itself was sorted quickly, and when I later needed support I got that fast too.
Frequently Asked Questions
Most tech and digital businesses benefit from both. Professional indemnity is usually the priority, because your main exposure is the financial loss a client suffers from a mistake in your work: a coding error, wrong advice or a flawed integration. Public liability matters whenever you meet clients, visit their sites or work on others' premises, covering injury or property damage you might cause. You can hold either on its own or both together, depending on how you work.
Yes, your professional work in this area is covered: consulting and support on software, system and network security, including audits and vulnerability or penetration testing, all sit within the covered activities. What the policy responds to is your liability to clients. For example, if a mistake in your security work causes a client a financial loss, professional indemnity can respond. It is not a cyber policy for your own systems, so make sure the activities you actually carry out are declared when you apply.
Professional indemnity is written on a claims-made basis, which means the claim has to be made against you and reported to us while your policy is active, not simply that the work happened during the policy. If you switch to us from another insurer, work from up to 5 years back can be covered, provided your previous policy would have covered the claim. If you stop trading or leave, claims about work you did while insured must be reported before the policy ends, unless run-off cover is arranged.
It isn't required by law in Ireland. In practice, clients, agencies and public-sector contracts frequently make it a condition of working with you, and some regulators and professional bodies require it. Even where it isn't demanded, it is one of the most relevant covers for the sector, because a single professional error can lead to a substantial client claim. You describe your activities when you apply so the cover matches what you do.
Professional Indemnity cover starts from €10.80 per month and Public Liability from €7.55 per month, both including taxes. The actual premium depends on your activity, turnover, cover amount and excess, so a solo developer and an established software house will not pay the same. You see your price online in minutes, with no obligation.