For business
Insurance for IT freelancer / B2B contractor
We explain when professional liability is actually needed, what insurance clauses in contracts mean and how to choose the right limit without noise.
Typical questions we receive
Practical cases
A client sent an insurance clause
You need to understand what they actually require and which liability type fits.
OC zawodowe / PI / E&O
The name matters less than what mistakes, losses and contractual claims are actually covered.
Liability limit
The limit should depend on projects, jurisdictions and realistic damage size, not guesswork.
Legal defence
We also look at what helps in disputes, claims and defence costs.
What we usually clarify
Market practice
Where the minimum ends
And where actual market or enterprise client expectations begin.
Which mistakes are covered
Technical, organizational and financial consequences of an error in a project.
How the policy supports the contract
Especially for UK/EU clients and contractor chains.
How not to overpay
We compare limits, deductibles and exclusions by substance, not just by price.
Common questions
If a UK client asks for insurance, is it always professional indemnity?
Not always. Sometimes they mean PI / E&O, sometimes a broader liability layer or a specific contractual limit.
What limit is typical for an IT contractor?
It depends on project value, potential damage size, client jurisdiction and the contract wording.
Should I buy a policy before the first major contract?
Often yes, especially if you are moving toward larger B2B clients where requirements arrive quickly.
Can I send the contract before buying the policy?
Yes, that is the right order: understand the requirement first and choose the solution second.
To review the contract faster
What is worth sending in advance
If you share a bit of context upfront, it is easier to explain which limit and type of cover are worth considering.
- A contract excerpt or wording about insurance / liability
- Who the client is and which jurisdiction the contract falls under
- What exactly you do and what kind of professional error risk you carry
Get in touch
Write to us directly
Al. Jerozolimskie 109/70, 02-011 Warszawa
Discuss the business case
Briefly describe the company, industry, contract requirement or timeline and we will suggest the next step.