Professional liability consultants

Everyone makes a mistake sometimes. If you cause damage in your private life, your family insurance will usually pay for it. Even during working hours, carelessness can lead to damage. As a freelance ICT professional, your client – or your client’s client – can claim compensation. With the appropriate insurance, you can make sure that you will not have to pay for this yourself.

• Most mistakes ICT professionals make are intellectual in nature, such as a bug in a piece of software. When errors in thinking lead to financial damage, we speak of professional liability.
• But sometimes the cause is a small clumsiness and you let a server slip out of your hands or you knocked over a glass of water. In such cases, you need a classic liability insurance.

Our insurance covers you against both intellectual errors and accidents caused by clumsiness.

Contractual obligation?

As an independent ICT professional, you often find yourself in a ‘David against Goliath’ customer relationship. The client usually obliges you unilaterally and contractually to take out insurance. Just check that in your cooperation agreement.

If you do not have insurance, then you are contractually at fault.

A total package

The insurance became a ‘no worries’ total package.

This means, among other things, that all IT-related activities are automatically covered. The insurance is therefore suitable for all possible IT profiles: developers, system engineers, database administrators, web developers, and so on.

Because executive functions are covered at no extra cost, this insurance is also suitable for IT project leaders and IT managers.

The insurance coverage works as a total package. Each policy contains, as standard, all the guarantees that you can include in an insurance contract. For example, we cover not only intellectual errors, but also the classic B.A. exploitation including damage to entrusted goods (such as the server you were working on). A basic legal assistance cover is also included.

A host of extra extensions

Large and small IT companies that rely on Certibit for their insurance know that quality is of paramount importance to us. Our commitment to quality is also reflected in our offer for ICT freelancers.

For example, we offer coverage automatically and without additional premium for:

• Unintentional infringement of intellectual property rights
  E.g.: As a software developer, you are accused of breaching (software) copyrights.
• Unintentional libel, slander and defamation
  E.g.: One of the websites you work on is hacked into in order to mock a public figure.
• Liability for damages by subcontractors
  If you engage a subcontractor, and he causes damage to your client, you are still covered if you are held co-liable.
• Entrusted goods in the broad sense
• We insure you against damage to the appliances and machines you work on (e.g. when adding a disk to your customer’s server). In addition, all equipment and machines that you use as working material during an assignment are also insured. Even during transport to and from your customer!
• The accidental spreading of a computer virus is also covered. Provided you take a number of elementary precautions.

A razor-sharp price

In the past, the high cost price kept freelancers – rightly – from taking out insurance. With this offer, we make liability insurance accessible for all ICT freelancers. This way, you can exercise your profession carefree, and in line with your contractual obligations, at an acceptable price.

Do you already have insurance? Ask us for an offer without obligation. We are convinced that we can do better.