Common questions about IT consultants
Answering the most frequently asked questions about IT consultants.
Is hardware I hold for clients covered?Gravity Certs2026-08-17T23:39:32-04:00
Only with inland marine. General liability excludes property in your care.
Am I covered for managed services?Gravity Certs2026-08-17T23:39:32-04:00
Disclose it. Ongoing management carries broader exposure than project work and is rated differently.
Do clients require specific limits?Gravity Certs2026-08-17T23:39:31-04:00
Commonly one million E&O and cyber, sometimes more for enterprise work. Check the master services agreement.
Am I liable if a client is breached?Gravity Certs2026-08-17T23:39:30-04:00
Potentially, if your advice or configuration is blamed. Cyber and E&O both play a role.
What’s the difference between cyber and E&O here?Gravity Certs2026-08-17T23:39:30-04:00
E&O covers your professional failure; cyber covers breach response. Most IT consultants need both.
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