Many online comparison portals only provide quotes from a limited panel of insurers — often just four or five companies they have agreements with. When it comes to Professional Indemnity insurance for IT contractors, that number can shrink to only two or three insurers willing to offer terms.

The cover provided through these platforms is not always tailored to your specific needs. Online policies rely entirely on the information you input about your business activities. Even small inaccuracies or misunderstandings can result in gaps in cover. Unfortunately, these issues are often only discovered at claim stage — when an insurer may decline the claim because the policy was not suitable for the actual work undertaken.

Another important point: online portals typically act on behalf of the insurance companies, not you. The small print usually confirms they do not represent the policyholder. This means you may have little recourse if you receive unsuitable advice or inadequate cover.

We are experienced brokers who have specialised in the IT sector for over 20 years. Our role is to represent you — ensuring your policy matches your business activities and risk exposure. If you’ve arranged cover elsewhere and would like a second opinion, we’re always happy to review it.

When it comes to Professional Indemnity insurance, it pays to be certain.

Better safe than sorry.