Pricing numbers are based on representative partner data for 2024-2026 general liability policies. Based on policies from Sep 25, 2024 through Sep 10, 2026.
GENERAL LIABILITY
Technology Consulting, Staffing & Custom Programming $20/month for general liability
WHY IT MATTERS
Why Technology Consulting, Staffing & Custom Programming need business insurance
Technology consultants, staffing firms, and custom programmers can face claims tied to their work, employees, clients, and everyday operations. A well-matched insurance plan can address different risks with separate coverage lines.
SCENARIO 1
A client alleges a project error
A client claims a programming mistake caused a costly disruption. Professional liability or errors and omissions insurance may help with covered legal defense costs and damages.
SCENARIO 2
A visitor is injured
A client visiting your office trips over equipment and is injured. General liability insurance may help pay covered medical expenses, legal defense costs, and damages.
SCENARIO 3
An employee is hurt at work
An employee is injured while setting up technology at a worksite. Workers' compensation insurance may help with covered medical care and wage replacement.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Services and project complexity
Higher-stakes consulting, programming, or implementation work can increase the chance of a costly client claim and may raise your rate.
Revenue and project volume
More client work can create greater exposure to claims, which may result in a higher rate.
Payroll and workforce size
A larger payroll or workforce can increase workers' compensation exposure and may raise coverage costs.
Employee duties and placements
Rates can increase when employees perform higher-risk duties, travel to client sites, or work under varied job classifications.
Claims history
Prior claims can indicate greater future risk and may lead to higher rates or different coverage terms.
Business vehicle use
More vehicles, drivers, mileage, or client-site travel can increase commercial auto exposure and may raise the rate.
Rate change by revenue tier
Estimated monthly premium range. These are estimates, not a quote — actual rates vary by business.
Most quoted tier: $100K–$499K
National data
National rate factors
For a national business, rates and requirements can vary by state, by carrier, and by the details of each client contract.
State requirements
Workers' compensation and commercial auto requirements vary by state, which can affect the coverage your business needs.
Client contract terms
Client agreements may require particular coverage lines or limits, and broader requirements can increase the cost of coverage.
Carrier underwriting
Carrier appetite, eligibility rules, and available terms can differ based on your services, workforce, and operating footprint.
579
Quotes analyzed
47
States represented
4
Coverage lines
BEST RATE
How to get the best rate
Describe your services precisely
Separate consulting, staffing, programming, and implementation work so your application reflects what your business actually does.
Review workforce classifications
Confirm that employee duties, payroll, and staffing placements are current and assigned to the appropriate work categories.
Gather client requirements
Review active contracts for required coverage lines and limits before requesting a quote.
Document risk controls
Keep written records of quality checks, contract reviews, access controls, employee training, and incident procedures.
FAQ
Common questions
Which business insurance policies should a technology consulting, staffing, or custom programming business consider?
The right mix depends on your services, workforce, contracts, and vehicle use. General liability, professional liability or errors and omissions, workers' compensation, and commercial auto are separate coverage lines that may address different risks.
Does general liability insurance cover programming mistakes or consulting errors?
General liability insurance generally does not address mistakes in professional services. Professional liability or errors and omissions insurance may respond to covered claims alleging that your advice, programming, or services caused a client financial loss.
Does a technology staffing firm need workers' compensation insurance?
Workers' compensation insurance may be needed when a staffing firm has employees. Requirements vary by state, and client contracts may also set coverage and limit requirements.
When might a technology business need commercial auto insurance?
Commercial auto insurance may be appropriate when the business owns or uses vehicles for work. Coverage needs depend on vehicle ownership, driver arrangements, travel patterns, and how vehicles are used.
How can I prepare for a better business insurance quote?
Provide accurate details about your services, revenue, payroll, employee duties, claims history, vehicles, and client contracts. Clear records of quality controls, training, and safety procedures can also help a carrier evaluate your business.