What insurance when working in IT?
Here is everything you need to know about insurance for IT professions, whatever your status: consultant, IT services company / ESN or freelance. What are your specific needs related to your activity? What are the main risks in your business? When do you become responsible? We guide you and give you the list of the best professional insurances for the IT professions.
Summary
What is the price of the computer RC Pro?
How does IT professional civil liability insurance work?
IT consultant: is pro RC mandatory?
What are the guarantees for professional IT insurance?
IT professional, what other insurances to take out?
What is the price of the computer RC Pro?
There are many professional liability insurance contracts available to insure you as an IT professional. This coverage adapts to your status: IT self-employed, independent, IT freelance, IT consultant in wage portage, manager of an IT services company / ESN.
Here we present four of the best contracts available on the market:
sollyazar comparator logo
Guarantees
RC Exploitation, RC Pro, Legal Protection optional
Opinion
The most competitive contract on the market for IT professions.
Prices
177 € / year with the broker Coover
aig comparator logo
Guarantees
RC Exploitation, RC Pro, Defense and Recourse
Opinion
Monthly payment free of charge
Modular roofing ceiling
Prices
€ 199 / year with the broker Coover
axabanque comparator logo
Guarantees
RC Exploitation, RC Pro, Defense and Recourse
Opinion
Monthly payment free of charge
Best contract for micro-entrepreneurs
Prices
€ 270 / year with the broker Coover (€ 180 / year for auto entrepreneurs)
hiscox comparator logo
Guarantees
RC Exploitation, RC Pro, Defense and Recourse
Opinion
Insurer specializing in IT professionals
Many optional guarantees
Prices
275 € / year with the broker Coover
RC Pro Informatique Award 2022
The prices presented correspond to RCP's basic contracts for IT consultants and freelancers. For an IT services company / ESN with a turnover of more than € 200,000, the rates for IT professional civil insurance will be higher.
How does IT professional civil liability insurance work?
RCP Informatique protects you in the event of damage caused to a third party during your professional activity. This concerns both material, immaterial and bodily damage. The damage can be caused by you, your subcontractors, your employees or your equipment.
IT insurance covers a wide variety of activities: website design, computer programming, information systems consulting, data analytics, software publishing, telecommunications consulting, IT support, etc.
Thanks to your IT CPR, it is the insurer who will compensate the customer on your behalf.
IT consultant: is pro RC mandatory?
The IT professions are not regulated, therefore professional civil insurance is not compulsory. However, these jobs involve you in sensitive and risky subjects, and it is therefore more than recommended to take out insurance. The main risk for the IT professions is to cause consequential intangible damage and then to have to assume the financial consequences of these faults.
Here are some examples of (real) situations:
you accidentally destroy data that is very important to your customer;
you poorly protect an information system which is subsequently attacked;
you do not deliver on time a functionality expected by your customer, which prevents him from launching a product.
What are the guarantees for professional IT insurance?
The PC Pro RC insurance contracts contain various guarantees which are either included in the basic base or as an option.
IT professional civil liability
Remark
Check that your activities are covered by the contract. You can select multiple activities without extra premium.
RC IT operations
Remark
Essential guarantee because it covers damage made as part of a service but not directly related to it.
Defense and appeals
Remark
This guarantee is included in all contracts but the ceilings and deductibles differ.
Juridic protection
Remark
This guarantee will be very useful to you in the event of a dispute with a third party (client or subcontractor) since it will cover the costs
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