You publish a case study or LinkedIn post about a tricky project. A competitor in Australia says you made false claims about their product or reputation and threatens to sue. They demand an apology, takedown and damages.

Many IT professional insurance policies include cover for inadvertent defamation, plus legal defence costs where covered.

You deliver a website build and later the client receives a letter saying a theme, image or code snippet infringes copyright or a trade mark. The client sues you for their legal costs and the expense to replace the work.

Technology liability insurance can respond to inadvertent IP infringement claims (not patents) and help pay defence costs.

During a server migration, a backup job is missed and a client’s project files are overwritten. They can’t bill their customers and they pay for data recovery and rework. They claim you caused the loss and want compensation.

IT liability insurance can help with claims from lost or damaged client data linked to your work, plus defence costs where covered.

You roll out a new CRM for an Aussie client. A config mistake breaks integrations and the go live slips by 3 weeks. The client says they lost sales and paid contractors to fix it and they demand you cover their costs.

Technology professional liability can respond to claims alleging your IT services caused a loss, including defence costs where covered.

While installing hardware at a client site, a loose cable you left across a walkway trips a visitor. They injure their backand the client also says the cable damaged a server rack. They seek medical costs and repairs.

Tech business insurance covers financial loss. Physical injury or property damage is often excluded and usually sits with public liability.

You sign a client contract with a $50k per day service credit if the platform is late, plus an indemnity for any losses regardless of fault. Delivery slipsand the client demands the service credits and liquidated damages.

Contract penalties and service credits are often excluded. Cover usually applies only to liability you’d have even without the contract.

To win a contract, you promise a security feature in writing that you know doesn’t existand you sign off the go live anyway. After a breach, the client says you acted dishonestly and sues for damages and legal costs.

IT liability insurance usually excludes dishonest or criminal acts. It’s made for errors and oversights, not intentional wrongdoing.

You notice a bug in a client’s live system, but you keep working and hope it goes away. Two months later the client says the bug caused a big outage and lost revenue and they make a claim after you’ve taken out the policy.

Known issues before the start date are usually excluded. If you were already aware of the problem, the policy may not respond later.