PI for IT support businesses and technicians covers claims that your advice or work cost a client money. If you work on site, pair it with public liability.
Source: https://piinsurance.com.au/it-support/, fetched from the preview https://pi-react-4ee768.pages.dev/it-support/ on 10 Nov 2026; site dated 3 Nov 2026. Preview wording, not yet broker-reviewed. General information, not advice.
Site label: Usually asked for in client contracts.
Why you need it: your clients
Business clients often ask for PI in the contract. If you work on site, install hardware or visit homes, they will usually ask for public liability as well, because PI does not cover injury or damage to property.
Typical limits
$1m to $2m PI. Onsite work usually needs public liability too, often $10m to $20m.
What can go wrong
Illustrative scenarios, not real claims.
A reset that wiped a laptop
You reset a laptop to fix a fault and the owner's files are lost. The client claims the cost of recovering them.
A network set up without backups
You set up a small office network and leave backups switched off. A drive fails and the client claims the lost work.
Common exclusions to watch
- Bodily injury or property damage (that is public liability)
- Hardware faults and warranty claims
- Attacks on your own systems (that is cyber cover)
Wording differs between policies. Read the policy wording, or ask us to point out what it says.
Common questions
Do IT support and technicians need professional indemnity insurance?
Business clients often ask for PI in the contract. If you work on site, install hardware or visit homes, they will usually ask for public liability as well, because PI does not cover injury or damage to property.
How much PI cover do IT support and technicians need?
$1m to $2m PI. Onsite work usually needs public liability too, often $10m to $20m.
Do I need public liability as well?
Usually yes, if you work on site. PI covers financial loss from your advice or work. Public liability covers injury to people and damage to property, such as a cable someone trips on or a monitor you drop.