CGL for IT consultants offers broad protection from third-party bodily injury and property damage claims. If an employee damages a customer’s computers while working at the client’s office, the client could make a claim for damages and your CGL policy would pay. 

Likewise, if a client, vendor or delivery person slips or fall at your office, your CGL policy pays for any medical expenses or related costs if a claim is filed against your business. 

You could be sued in both of these cases, and for many other reasons. Even if the suit is unfounded, you have to defend yourself. Attorney fees, court costs, and court-ordered settlements or judgments can be devastating to any business owner. 

A computer consultant general liability policy protects you in these circumstances and pays for costs related to such lawsuits up to the limits of your policy.

A computer consultant general liability policy also protects you from claims related to copyright infringement, advertising liability, slander and libel.

Whether you own your building, lease your office space or have a home office, you need some type of protection for your business property. 

covers damage to a building and its contents (computers, office equipment and furniture, supplies, fixtures, etc.) damaged by a weather event, fire, theft, vandalism and other causes of loss. 

Most business property policies also offer coverage for business interruption to you pay for ongoing expenses if you must temporarily close or relocate due to a covered property loss (e.g., a fire).

Certain small businesses are eligible for a business owners policy, or BOP. A BOP is a packaged policy that combines general liability, property and business interruption coverage at an affordable price. 

Insurance exists for the purpose of protecting persons and organizations from the adverse financial consequences of certain unpredictable events, regardless of the coverage line being considered. For general liability insurance, the unpredictable event that constitutes the subject of the insurance is a claim of legal liability arising out of a company’s operations, premises, products, and completed work.