IT consultant / MSP insurance
For IT work the E&O and cyber questions dwarf the slip-and-fall ones — client MSAs commonly require both before network credentials are issued.
The typical coverage stack
What a it consultant / msp operation usually carries. Workers’-comp rules depend on your state — run the checker with your state for the exact answer.
General liability
Worth consideringFoundational third-party coverage for bodily-injury and property-damage claims.
$310–$610/yr typical
Professional liability / E&O
Commonly required by clientsYou're paid for advice or a professional service — errors & omissions covers financial-harm claims general liability never will, and client contracts increasingly name a minimum limit.
$270–$800/yr typical
Workers' comp
Commonly required by clientsWhether it is legally required depends on your state — most mandate it once you hire. Run the checker with your state for the exact rule.
Per $100 of payroll — run the checker with your state
Cyber liability
Worth consideringYou take payments or hold customer data — cyber covers breach, notification, and recovery costs GL and BOP exclude.
Varies — compare quotes
Compare quotes
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Simply Business
A marketplace that shops multiple carriers in one flow — the fastest way to line up quotes side by side, and strong for same-day COIs.
Hiscox — professional liability
Direct E&O coverage aimed at advice-and-services businesses; advertised from about $22.50/mo, decoded on our Hiscox review.
Hiscox
A direct writer (not a marketplace) with a strong appetite for consultants and service firms; professional liability is its bread and butter.