Best IT consulting E&O coverage offerings
Non-sponsored, Expert Verified and Transparently Ranked IT consulting E&O coverage offerings
Published: December 16, 2025 | Verified by: Ted Scheiman & Rob Watts
Executive Summary
We analyzed 5 solutions. Top Recommendation: Professional Liability Insurance by Admiral Insurance Group scored highest due to Integrated Technology E&O, media liability, and a full cyber suite in one policy, with primary and excess limits up to $5M and specialized cyber enhancements such as bricking, system failure, and reputational harm coverage, backed by a dedicated tech and cyber claims team..
Content Verification
Side-by-Side Comparison
| Feature | #1 Professional Liability Insurance (Admiral Insurance Group) | #2 Risk Consulting, Brokerage, and Claims Advocacy Services (Marsh) | #3 Business Insurance for Professional Services (Vouch) | #4 Errors and Omissions Insurance (Plum) | #5 Professional Insurance Solutions (Burns & Wilcox) |
|---|---|---|---|---|---|
| Best For | Integrated Technology E&O, media liability, and a full cyber suite in one policy, with primary and excess limits up to $5M and specialized cyber enhancements such as bricking, system failure, and reputational harm coverage, backed by a dedicated tech and cyber claims team. | Global brokerage and risk-advisory expertise that can design complex, enterprise-grade E&O towers and bespoke wordings for large or multinational IT consulting practices. | Startup- and growth-company, oriented insurance platform that bundles E&O with broader professional services protections, tailored specifically for firms like IT consultancies rather than generic commercial customers. | Focus on digital-first, modern E&O coverage specifically marketed to consultants and IT firms, making it straightforward for tech-focused small and midsize businesses to obtain tailored protection. | Wholesale market access and underwriting expertise that enable customized E&O placements, including for niche or higher-risk consulting and professional service segments that may not fit standard admitted markets. |
| Customization flexibility | Highly customizable: proprietary professional-liability forms tailored to specific industries/exposures, with flexibility to craft manuscript policy language and unique coverage grants. (admiralins.com) AdmiralPro TEC also offers a flexible approach and endorsements (e.g., contingent BI/PD, invoice manipulation) to tailor coverage to individual risks. (admiralins.com) | High: Marsh customizes professional liability/E&O programs, tailoring policy terms to your contractual obligations and risk profile. (marsh.com) Policies are configured to your particular risks. (marsh.com) Claims advocacy uses Blue[i] analytics to develop customized claims management strategies. (marsh.com) | Highly flexible: tailored programs vs. one-size policies; coverage reviews and updates as firms scale; alignment to specific contract terms; access to 80+ carriers; online add/adjust coverages and limits; add Additional Insureds/waivers via endorsements; request COIs from your account. (vouch.us) | Customizable by profession/risk; choose sum insured; add-ons (IP, Cyber, Media, court attendance); worldwide jurisdiction and retroactive cover available; include subcontractors if specified; run-off/extended reporting options. (plumhq.com) | Burns & Wilcox Professional Insurance Solutions offers customized packages across professional lines, with broad market access to tailor coverage by profession. (burnsandwilcox.com) They can package E&O and add options like cyber; via non‑admitted partners they can craft manuscript pricing, terms, and conditions for unique risks. (burnsandwilcox.com) 2025 outlook notes strong demand for manuscript endorsements, supporting bespoke placements. (burnsandwilcox.com) |
| Coverage comprehensiveness | AdmiralPro TEC combines Technology E&O, Media Liability and a full suite of first- and third-party Cyber coverages; limits up to $5M; broad privacy regulatory coverage; BI carvebacks; contingent BI/PD; built-in enhancements (bricking, system failure, non-IT dependent BI, reputational harm, cyber crime); optional invoice manipulation; plus pre-claim, subpoena, disciplinary and reputation-protection sublimits. Proprietary, customizable forms available. (admiralins.com) | Broad, customizable professional/E&O programs: civil liability for services, defense costs, and protection for employees/organization, with extensions (often included) for defamation, investigation costs, unintentional IP infringement, and employee fraud; many policies also address privacy violations and computer-security breaches. Designed across industries, including technology and consulting. (marsh.com) | Comprehensive, tailored program for professional services: core protections include E&O, Cyber Liability, D&O, General Liability, Workers’ Comp, EPLI, Business Property, and Crime. Vouch can also place additional lines (e.g., Media Liability, Hired & Non-Owned Auto) via access to 80+ top carriers, providing contract-ready coverage that scales with firm growth. (vouch.us) | Broad cover: legal defense (lawyers, court, arbitration), settlements, errors/omissions/negligence, employee acts, and unintentional confidentiality breaches. Optional: IP, Cyber, Media, court-attendance; retroactive cover and worldwide jurisdiction; customizable limits/ability to include subcontractors. Excludes fraud, bodily injury/property damage, pure refunds, known claims. (plumhq.com) | Broad, customizable professional liability spanning E&O, management liability, cyber/privacy/technology/media, and A&E; available enhancements include defense costs outside limits, civil fines/penalties, and contingent bodily injury/property damage for diverse professions. (burnsandwilcox.com) |
| Support and claims service | Claims can be reported via email, fax, or mail. (admiralins.com) An in-house, nationwide claims team, 7 specialized units, 30% attorneys, average 25 years’ experience, 15-year manager tenure, provides thorough, swift handling. (admiralins.com) AdmiralPro TEC adds pre-claim assistance and a 24/7 breach-response service to guide incident handling. (admiralins.com) | Marsh provides dedicated claims advocacy and management, supporting clients before, during, and after a loss via 1, 800+ claims colleagues worldwide. (marsh.com) Services include pre/post‑loss strategic advice, policy interpretation, claim preparation, insurer negotiation, status updates, and coordination with forensic accountants; teams can mobilize on‑site within 48 hours for major incidents. (marsh.com) Tools include Digital Claim Review and a Disaster Recovery portal. (marsh.com) | Support via phone, chat, or email (hello@vouch.us; 844‑488‑6728) 8:30am, 6pm CT, Mon, Fri. Claims filed in-account; contact claims@vouch.us; response within 1 business day and a claims manager is assigned. 24/7 EPL incident hotline and 24/7/365 cyber breach coach (4‑hour response). Fast reimbursements possible (e.g., within 48 hours). (support.vouch.us) | Guides policyholders on notifying the insurer, assists with documentation (contracts, emails, work reports), and coordinates with insurer‑appointed legal experts for defense when claims/legal notices arise. Claim decisions and payouts rest with the insurer; proper reporting and documentation aim to speed approval timelines. (plumhq.com) | Industry-leading, in-house claims team advocates for brokers, agents, and insureds; liaises with carriers and TPAs. New claims: follow policy instructions; if not carrier-directed, complete B&W claims form and email to claims@burns-wilcox.com for centralized, timely reporting and dedicated support during major loss events. (burnsandwilcox.com) |
Professional Liability Insurance
Admiral Insurance GroupCompany Information
Admiral Insurance Group is a company specializing in excess and surplus lines insurance coverage for commercial risks that involve moderate to high degrees of hazard. They provide a range of insurance products, including commercial casualty and professional liability insurance, to businesses and professionals.
Keywords
Description
Since 1974, Admiral Insurance Group has been supporting business innovation and market growth through our wholesale-dedicated excess and surplus (E&S) lines of commercial insurance. We specialize in underwriting difficult-to-place to moderate to high-risk commercial businesses that require creative solutions, outside-of-the-box thinking, entrepreneurial spirit, and astute business knowledge.
What They Do
Admiral Insurance Group provides insurance services, specializing in excess and surplus lines of commercial insurance.
Who They Serve
They serve businesses requiring unique and high-risk insurance coverage.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Summary
AdmiralPro TEC is a Technology Errors & Omissions policy designed for technology service professionals, including IT consultants and cybersecurity providers. It combines Technology E&O, Media Liability, and comprehensive first- and third-party cyber coverage to protect against financial and reputational harm from service failures and cyber incidents.
Key Features
- Coverage for a wide range of professional and medical exposures
- Proprietary forms tailored to industry and exposure
- Ability to craft customized policy language beyond standard forms
- Solutions for hard-to-place and complex risks
- Available through select wholesale brokers
Key Benefits
- Comprehensive coverage for complex and unique professional risks
- Creative, flexible solutions tailored to client needs
- Coverage for both Professional E&O and Medical Professional Liability
- Award-winning underwriting team recognized for excellence
- Customized policy language and proprietary forms for specific industries
Who Is It For
- Architects & Engineers
- Contractors
- Technology Professionals
- Insurance Brokers
- Miscellaneous Professionals
- Physicians
- Virtual Care Providers
- Ambulatory Surgery Centers
- Clinical Trials Organizations
- Home Health Care Providers
- Medical Spas
- Other Medical Professionals and Businesses
Professional Liability
Our award-winning Professional Liability team excels at navigating complex risks while offering creative solutions. Leveraging their extensive expertise, they are dedicated to providing comprehensive coverage for even the most unique accounts.
Professional E&O
Admiral’s Professional E&O insurance covers a range of professionals, including architects & engineers, contractors, technology professionals, insurance brokers, and miscellaneous professionals.
- Architects & Engineers
- Contractors Professional Liability
- Tech E&O
- Insurance Brokers
- Miscellaneous Professional Liability
Medical
Admiral’s Medical Professional Liability Insurance covers a range of medical professionals and businesses, including physicians, virtual care, miscellaneous medical, ambulatory surgery centers, clinical trials, home health care, and medical spas.
- Physicians
- Virtual Care
- Miscellaneous Medical
- Ambulatory Surgery Centers
- Clinical Trials
- Home Health Care
- Medical Spas
Frequently Asked Questions
Admiral Insurance Group is a specialized carrier offering Commercial Casualty and Professional Liability solutions with a strong focus on flexibility and customization. For Professional Liability, the Admiral team specializes in Errors & Omissions (E&O) and Medical Lines, using proprietary forms tailored to specific industries and exposures. Admiral has the expertise and flexibility to craft customized policy language that goes beyond standard forms.
Resources
Supporting Resources
Detailed Comparison
Customization flexibility
Coverage comprehensiveness
Support and claims service
Risk Consulting, Brokerage, and Claims Advocacy Services
MarshCompany Information
Marsh is a global leader in insurance broking and risk management, bringing global, national, and industry-specific solutions to a wide range of clients.
Keywords
Description
Marsh is a global professional services firm that specializes in insurance brokerage and risk management. The firm helps clients navigate complex risks and embrace their opportunities.
What They Do
Marsh provides insurance brokerage and risk management services to clients across various industries worldwide.
Who They Serve
They serve a wide range of clients including businesses, governments, and organizations across multiple sectors.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Navigation Links
Summary
Marsh’s Financial & Professional Liability practice structures and brokers errors and omissions and other professional liability programs for a wide range of professional service organizations. IT and consulting firms can obtain customized E&O coverage addressing allegations of professional negligence, errors, or omissions that lead to client financial loss.
Key Features
- Risk consulting
- Insurance brokerage
- Claims advocacy
- Data-driven risk analysis
- Technology-enabled solutions
- Analytics for risk management
Key Benefits
- Better quantification and management of risk
- Access to global expertise and industry-specific knowledge
- Support in navigating complex risk environments
- Leverage of data, technology, and analytics for informed decision-making
Who Is It For
- Organizations and businesses across a wide range of industries
- Clients seeking to manage, transfer, or mitigate risk
- Companies requiring support with insurance placement and claims management
Services
Our consulting, brokerage, and claims advocacy services leverage data, technology, and analytics to help you better quantify and manage risk. Explore our global expertise below. Please note that service availability varies by location. Contact a Marsh advisor for support in your region.
Resources
Supporting Resources
Detailed Comparison
Customization flexibility
Coverage comprehensiveness
Support and claims service
Business Insurance for Professional Services
VouchCompany Information
Description
At Vouch, we put people first and serve our clients with integrity and excellence. Vouch’s mission is to craft the best insurance for those building the future.
What They Do
Vouch provides business insurance solutions tailored for technology, healthcare, and professional services industries.
Who They Serve
Vouch serves innovative companies and startups across various sectors.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Summary
Vouch provides insurance packages for professional services firms, including IT consultants and creative agencies, with coverage that addresses errors and omissions risk. Their offering is aimed at safeguarding credibility, meeting contractual insurance requirements, and supporting growing advisory and services businesses.
Key Features
- Tailored insurance programs for professional services
- Instant online application (10 minutes or less)
- Digital document management and renewals
- Coverage reviews and benchmarking
- Access to multiple top-rated insurance carriers
- Instant COIs for contract compliance
- Expert insurance advisors for support and guidance
Key Benefits
- Meet client and contract requirements with fast, compliant coverage and instant Certificates of Insurance (COIs)
- Streamlined, AI-enabled platform for applications, renewals, and document management
- Coverage reviews and updates that grow with your services, staff, and client base
- Tailored programs that align with your business model
- Simple, digital experience to save time on billable work
- Access to 80+ top carriers for credibility and coverage options
- Benchmarking insights to validate right-sized coverage
- Industry experts who understand agency and consultancy risks
- Contract-ready coverage for quick procurement and project starts
- Proactive support to keep coverage current
Who Is It For
- IT consultants
- Creative agencies
- Accounting & finance firms
- Architecture & construction firms
- IT services
- Management consulting firms
- Marketing & creative agencies
- Professional services startups and established firms
PROFESSIONAL SERVICES
Your reputation is your business. From IT consultants to creative agencies, we safeguard your credibility, fulfil contractual requirements, and let you stay focused on delivering great work.
Win Clients With Confidence
Meet client and contract requirements with fast, compliant coverage and instant COIs.
Insurance Without the Busywork
Our AI-enabled platform streamlines applications, renewals, and document management.
Coverage That Evolves With You
Coverage reviews and updates that grow with your services, staff, and client base.
Built for Professional Services
Tailored programs that align with your business model, not one-size-fits-all policies.
Expertise in a variety of professional services
- Accounting & Finance Firms
- Architecture & Construction Firms
- IT Services
- Management Consulting
- Marketing & Creative Agencies
RISK TRENDS
The risks you face, clearly managed
- Contract Friction That Stalls Deals
- Generic Policy Blind Spots
- Insurance That Lags Behind Growth
- Credibility and Reputational Challenges
- Brokers Who Don’t Keep Up
WHY VOUCH
Insurance that has your back when it matters most. Service firms live and die by client trust, deadlines, and deliverables. Vouch helps you protect relationships while keeping contracts on track.
- Simple, digital experience
- Access to 80+ top carriers
- Benchmarking insights
- Industry experts
- Contract-ready coverage
COVERAGES FOR TECH
Core protections for professional services
- Errors & Omissions
- Cyber Liability
- Directors & Officers
- General Liability
- Workers’ Compensation
- Employment Practices Liability
- Business Property
- Crime Liability
CLAIMS EXAMPLES
Life Science startups experience heightened exposures at an earlier stage.
- Software bug causes client financial losses
- Cyber breach and outage
- Trade secrets lawsuit
- Damage to rented event space
- Advertising lawsuit
- Driverless vehicle accident
Resources
Supporting Resources
Detailed Comparison
Customization flexibility
Coverage comprehensiveness
Support and claims service
PlumCompany Information
Description
Plum offers world-class insurance and healthcare benefits designed to protect teams and their families in India.
What They Do
Plum provides employee health benefits that include a range of insurance products and healthcare solutions.
Who They Serve
They serve startups, small and medium businesses, and large enterprises in India.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Navigation Links
Summary
Plum offers Errors and Omissions insurance tailored for consultants, agencies, and IT firms that provide professional advice or services. The coverage is designed to defend businesses from client lawsuits and financial loss stemming from negligence, mistakes, or omissions in professional work.
Key Features
- Legal defense costs (lawyer fees, court expenses, arbitration/mediation costs)
- Compensation or settlement to clients
- Coverage for errors, omissions, and negligence in services
- Employee actions covered (vicarious liability)
- Optional add-ons: Intellectual Property (IP) cover, Cyber Liability Extension, Media Liability, Court Attendance/Arbitration Costs
- Retroactive cover for past work (if included)
- Worldwide jurisdiction available (if required)
- Customizable coverage limits
Key Benefits
- Covers legal defense costs, court fees, and arbitration expenses
- Pays for settlements or compensation to clients up to the policy limit
- Protects against claims arising from professional mistakes, negligence, or missed deadlines
- Covers employee actions (vicarious liability)
- May cover unintentional breach of confidentiality or privacy
- Helps maintain business continuity and protects personal/business assets
- Available for freelancers, small businesses, startups, and large enterprises
Who Is It For
- IT companies, SaaS platforms, consultants
- Lawyers, Chartered Accountants (CAs), architects, engineers, interior designers
- Marketing agencies, designers, freelancers, advisors
- Doctors, diagnostic centres, and medical professionals (Medical E&O)
- Any business or individual offering specialized advice or services
Resources
Supporting Resources
Detailed Comparison
Customization flexibility
Coverage comprehensiveness
Support and claims service
Professional Insurance Solutions
Burns & WilcoxCompany Information
Burns & Wilcox is a leading provider of wholesale specialty insurance solutions, offering a wide range of commercial, professional, and personal insurance coverage. With over 60 offices worldwide and a network of 10,000+ brokers and agents, the company provides unparalleled access to specialized insurance solutions.
Keywords
Description
Burns & Wilcox is a leading insurance wholesaler in the industry with a wide range of specialty solutions that cover Commercial, Professional, and Personal insurance sectors, serving over 10,000 brokers and agents worldwide from more than 60 offices.
What They Do
Provide specialized insurance solutions and support for various sectors including commercial, personal, and professional insurance.
Who They Serve
Brokers and agents in the insurance industry, as well as individual clients needing insurance coverage.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Social Media
Key Pages
Summary
Burns & Wilcox is a wholesale broker and MGA offering professional liability and errors and omissions solutions for diverse professions via retail agents and brokers. Their practice area can package E&O coverage to provide financial restitution when clients hold professionals liable for errors, omissions, or negligent acts in their services.
Key Features
- Broad market access to specialty insurance products
- Coverage for errors, omissions, and professional negligence
- Cyber liability coverage and compliance support
- Specialized healthcare liability products
- Management liability solutions
- Competitive pricing and accurate quotes
- Fast service
Key Benefits
- Unlimited access to a wide range of liability coverage options
- Customized insurance packages tailored to specific professional risks
- Quick-response team for timely solutions
- Sound financial and legal protection in a complex marketplace
- Consultative resources for compliance with evolving regulations
Who Is It For
- Businesses
- Organizations
- Professionals (including but not limited to architects, engineers, healthcare providers, technology/media professionals, management, and consultants)
- Licensed insurance agents and producers (not intended for direct business owner or insured use)
Professional
Cutting-Edge, Customized Insurance Packages for Professionals. We offer unlimited access to the widest range of liability coverage for businesses, organizations and countless professions. Our quick-response team understands the specific issues your clients face and can provide timely access to intelligent solutions.
Professional Solutions
Overview of key coverage types and specialties offered under Professional Insurance Solutions.
- Management Liability: Financial and legal protection.
- Cyber/Privacy/Technology/Media: Cyber Liability Coverage and compliance support.
- Architects and Engineers: E&O Coverage for design-related risks.
- Errors and Omissions: Protection against professional mistakes.
- Healthcare: Specialized liability products for healthcare exposures.
Resources
Supporting Resources
Detailed Comparison
Customization flexibility
Coverage comprehensiveness
Support and claims service
Our Ranking Methodology
How we rank these offerings
We ranked these IT consulting E&O coverage offerings based on three key factors: Coverage Comprehensiveness (40% weight), Customization Flexibility (35% weight), and Support and Claims Service (25% weight). Professional Liability Insurance scored highest due to its highly comprehensive coverage, including specialized technology E&O and cyber coverage, as well as high customization flexibility with proprietary forms tailored to industry-specific risks.
Ranking Criteria Weights:
Frequently Asked Questions
- What are the typical costs associated with IT consulting E&O coverage?
- The costs for IT consulting E&O insurance can vary depending on company size, project complexity, and the level of coverage required. For example, AdmiralPro TEC offers bundled coverage options that may provide cost efficiencies by combining E&O with cyber liability protection. Vouch emphasizes customizable packages that allow IT firms to tailor their coverage, potentially affecting cost based on specific risk exposures. Meanwhile, Plum Insurance allows for cost adjustments based on the extent of E&O coverage needed for specific consulting or professional advisory services. The overall price range can typically be between $1, 000 to $5, 000 annually for small to mid-size IT consulting firms.
- What are the key selection criteria when choosing E&O coverage for IT consultants?
- When selecting E&O coverage, IT consultants should consider the scope of services covered, the limits of liability, and endorsements specific to technology errors and cybersecurity. AdmiralPro TEC's comprehensive first- and third-party cyber coverage is crucial for firms heavily involved in cybersecurity. Marsh's customized solutions emphasize addressing unique risks like professional negligence. Additionally, firms like Burns & Wilcox provide tailored options that retail agents can adjust based on a client's unique service profile. Evaluating these tailored features within insurers like Vouch, which offers flexibility to meet contractual insurance requirements, is critical for decision-makers.
- How do industry standards and compliance affect IT consulting E&O insurance offerings?
- Compliance with industry standards such as those set by regulatory bodies like ISO and NIST is critical for IT consultants to secure favorable E&O insurance terms. AdmiralPro TEC includes media liability, which helps IT consultants manage risks associated with content creation and distribution, compliant with media regulation standards. Marsh’s advocacy for financial professional liability ensures that their policies are aligned with relevant compliance standards, minimizing the risk and potential premiums. For IT firms, adhering to these standards can also impact the insurer's evaluation of risk, potentially influencing premiums and coverage terms.
- What are common implementation challenges for IT consulting E&O insurance, and how can they be overcome?
- Common implementation challenges for IT consulting E&O insurance include accurately assessing risk and ensuring comprehensive coverage across all service areas. Plum recommends a tailored approach to overcome these obstacles by providing adaptable insurance programs that can evolve with service changes. Marsh’s approach of customizing coverage solutions ensures that specific client risks are thoroughly addressed. Proactively working with brokers like Burns & Wilcox can offer insights into industry trends and help structure coverage that aligns with evolving business models and risk landscapes.
- How can IT consulting firms maximize ROI and value delivery from E&O insurance?
- Maximizing ROI from E&O insurance involves not only securing protection against claims but also leveraging coverage to enhance credibility and business opportunities. Vouch highlights the importance of meeting contractual insurance requirements, which can facilitate new business relationships and project acquisitions. AdmiralPro TEC’s inclusion of cyber liability covers aids recovery from cyber incidents, reducing potential downtime costs. By choosing comprehensive policies like those offered by Plum, IT consultants can deflect expensive litigation fees and bolster their market reputation through demonstrated due diligence in risk management.
Our Promise: We promise to deliver the highest quality company and offering data, free from sponsored bias. We compile data from across the internet, to give the most accurate and true rankings, according to our transparent algorithms.