Due to the nature of IT, where you’re providing both a service and product simultaneously, it’s sometimes unclear where a claim should fall. The uncertainty is whether it should be placed under a product or public liability policy (third-party claims for property damage or personal injury) or a professional indemnity policy (third-party claims for financial loss).

This means that your claims could slip through the cracks between the two policies, particularly when they are placed with separate insurers. It’s best to get cover under the one IT Insurance policy, which will include all of the below.

A typical IT Liability policy will provide cover for:

• Legal liability occurring due to the failure of your IT products, services or advice.
• Protection for you and your business can also extend to professional indemnity, public liability and product liability which your Resilium Adviser can combine into one insurance solution.