My own business without risk

Professional Liability and Cyber insurance for IT Specialists with additional extension of General Liability.

  • NSafe contracts
  • NCyber risk cover
  • NWorldwide protection
  • NSpecialists’ support
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Your benefits

Safe contracts

We provide you with legal representation and, if necessary, cover the costs of claims

Cyber risk cover

We will cover the costs associated with cyber incidents that you may contribute to when working with clients

Worldwide protection

The policy protects your contracts and helps you solve cyber incidents around the world

Specialists’ support

Law firm, digital forensic, cybersecurity specialist, and even a PR specialist – you can count on their help in the event of causing damage

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I need protection

If you’re a self-employed person who doesn’t have any employees and perform work / assignments for third parties who take responsibility for your work, our professional and cyber liability insurance is just for you.

Do You want to make sure it’s a policy for you?
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Golden standard

We are the representative of Lloyd’s, the largest specialist Insurer in the world, rated A+ by worlds’ biggest rating agencies. The international standard of protection provided by Lloyd’s will satisfy the requirements of your most demanding clients.

Professional Indemnity (Professional Liability / Errors & Omissions)

Professional liability Insurance for IT companies covers damage caused to third parties as a result of your professional activities for which you are legally responsible.

General Liability (Public Liability)

We will pay claims under the policy and cover the legal costs if, in connection with the performance of professional IT activities, you cause personal or property damage to your client.

First Party Cyber Liability

We will provide you with protection and cover costs in the event of own damages in connection with cyber events.

Third Party Cyber Liability

We will pay compensation on your behalf if you cause cyber incident at your clients, breach privacy rights or disclose non-public information of your clients.

Coverage

Section 1

Information Technology Professional Indemnity

Information technology professional indemnity

The Insurer will indemnify the Insured up to the limit of indemnity, for the Insured’s damages, Claimant’s legal costs and expenses and Defence Costs and Expenses that the Insured becomes liable to pay, arising out of a negligent acts, error or omission committed by the Insured which gives rise to a Claim first made against the Insured, on or after the Retroactive Date stated in the Policy, acting anywhere within the Territorial Limits during the Period of Insurance which is notified to the Insurer in accordance with the Policy terms and conditions, in respect of:

 

  1. breach of a written or verbal contract resulting from Products or Professional Services not conforming to the agreed specifications or the failure of Products to perform the function or serve the purpose intended, including any resulting Claim from a written contract giving rise to Liquidated Damages;
  2. the failure of Products or Professional Services to meet any statutory term implied into a written contract concerning the quality, fitness for purpose or safety of such Products or Professional Services;
  3. any negligent misstatement or negligent misrepresentation committed without malicious intent;
  4. any libel, slander or Product disparagement committed without malicious intent;
  5. any unintentional breach of confidence, unintentional invasion of privacy, or unintentional misuse of information which is either confidential or subject to statutory restrictions on its use;
  6. any unintentional infringement of intellectual property rights, including copyright, trademark or moral rights or any act of passing off, or unintentional disclosure of trade secrets;
Damage to documents and data

Notwithstanding the ‘Physical Damage’ Exclusion in this Section, the Insurer will indemnify the Insured up to the limit of indemnity, in respect of any civil liability to pay costs and expenses for the replacement or restoration of any Third Party documents, which are lost or damaged while in the care and custody of the Insured in the course of the Professional Services, and which after diligent search cannot be recovered, due to a Claim being made against the Insured anywhere within the Territorial Limits during the Period of Insurance and arising in connection with the Insured’s business and is notified to the Insurer in accordance with the GTCI and Policy,unless stated otherwise, provided that the act, error or omission giving rise to the Claim takes place on or after the Retroactive Date stated in the Policy, provided that no costs and expenses are incurred by the Insured without the Insurer’sprior written consent not to be unreasonably withheld, and must be supported by invoices and/or accounts issued in conformity with generally applicable laws to the Insurer’ssatisfaction.

Section 3

Third Party Cyber Liability

Cyber media liability

Under this section of coverage, the policy pays for damages arising out of a third-party claim made against the insured in respect of:

  1. defamation of any individual or commercial enterprise,

  2. product disparagement,

  3. unintentional infringement of intellectual property rights

  4. improper deep-linking or framing;

arising from the insured’s cyber media activities.

Privacy liability and loss of documents

The insurer pays damages arising out of a claim made against the insured by a third party or insured’s employee in respect of:

  1. a breach of an individual’s right of privacy or wrongful public disclosure of private information by the insured or third party custodian,

  2. breach of the insured’s privacy policy, including breach of any common law or other law governing the confidentiality, integrity or accessibility of personal information, including any failure of the insured to provide notice of an actual or potential wrongful disclosure of personal information.

Liability for a breach and confidentiality

The insurer pays on behalf of the insured damages arising out of a third-party claim made against the insured in respect of disclosure of non-public corporate information or trade secrets in the custody of the insured or a third party custodian, including their failure to provide notice of an actual or potential wrongful disclosure of non-public corporate information.

Cyber security liability

The insurer pays on behalf of the insured damages arising out of a claim made against the insured by a third party in respect of the insured’s failure to prevent a cyber event resulting in:

  1. the inability of others to access the insured’s network, or

  2. damage to a third party network and/or loss of, or damage to, data stored on a third party network, or

  3. loss of, or damage to, data of others stored on the insured’s network or with a third party custodian, or

  4. loss of or damage to money or securities or the money or securities that the insured deposited with a third party custodian, but always excluding system failure.

Regulatory actions and fines

The insurer pays on behalf of the insured damages arising out of a claim made against the insured by a third party in respect of:

  1. regulatory penalties, civil penalties or fines but only to the extent insurable by law;

  2. regulatory defence costs in respect of a criminal, civil or administrative actions or proceedings, including any pre-trial or appellate proceedings of any regulatory investigation in connection with the insured’s business activities.

Amage to the insured's reputation

The insurer will reimburse the insured (subject to the sublimit defined in the policy) for reasonable and necessary expenses approved by the insurer to respond to adverse or unfavourable publicity or media attention resulting from a claim indemnifiable under the insurance contract.

Find out more

Would you like to receive a dedicated offer for your company or have additional questions?
Fill out the contact form, we will contact you immediately, collect necessary details and send you the offer by e-mail.

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+48 22 112 02 40

kontakt@findia.pl

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© 2026 Findia

Findia, with its registered office in Warsaw, at ul. Puławska 145, 02-715 Warsaw, entered in the Register of Entrepreneurs kept by the District Court for the Capital City of Warsaw in Warsaw, 12th Commercial Division of the National Court Register, under KRS number: 0000421624, NIP: 525-25-32-986, REGON: 146140831, share capital: PLN 250,000 (paid in full).

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