Technology Insurance
If your product is code, data, or a promise to perform — your insurance needs to reflect that. We build tech programs that combine Technology E&O, Cyber, and CGL, with options that fit startups through established firms.
What Technology Companies Usually Need
Technology E&O (professional liability)
Covers allegations that your product or service caused a client financial loss, like downtime, failed implementation, missed deliverables, or performance issues. This is the backbone for SaaS and tech services.
Cyber (privacy, breach response, extortion, fraud)
Covers incident response costs and liability tied to data, privacy, ransomware/extortion, and related events. This affects companies of every size.
Commercial General Liability (CGL)
Not a replacement for E&O. CGL covers bodily injury, property damage, and certain advertising/personal injury exposures. It is also commonly required by landlords and many customer contracts.
Who This Is For
SaaS and subscription software
Platforms where outages, bugs, and security gaps can create client losses.
IT services and managed service providers
Implementation, support, consulting, migration, and ongoing admin services.
Developers, integrators, and product teams
Custom builds, APIs, systems integration, and products that touch customer operations.
Tech-enabled businesses
Companies where technology is central to delivery, even if you are not a traditional software firm.
SaaS and subscription software
Platforms where outages, bugs, and security gaps can create client losses.
IT services and managed service providers
Implementation, support, consulting, migration, and ongoing admin services.
Developers, integrators, and product teams
Custom builds, APIs, systems integration, and products that touch customer operations.
Tech-enabled businesses
Companies where technology is central to delivery, even if you are not a traditional software firm.
Tech insurance built around you.
In-house and broad market options for all kinds of technology forward businesses
We start with a 45-minute initial meeting to understand your product, your customer base, and your contract requirements. Then we come back with clear options, including what's essential, what's optional, and where wordings differ.
Key Things to Know
Tech E&O vs Cyber vs CGL
Tech E&O is about performance and delivery. Cyber is about events involving data, extortion, and incident response. CGL addresses bodily injury/property damage and common contractual requirements like landlord liability and certain advertising injury exposures.
The contract often creates the claim
Many tech disputes start as you did not deliver what you promised, then become a claim. We help you align insurance with your MSA, SLAs, and common security obligations.
Fraud is a real loss driver
Fraud losses are common. This is why we pay attention to how cyber and crime-style coverage responds to funds transfer and social engineering scenarios.
Tech E&O vs Cyber vs CGL
Tech E&O is about performance and delivery. Cyber is about events involving data, extortion, and incident response. CGL addresses bodily injury/property damage and common contractual requirements like landlord liability and certain advertising injury exposures.
The contract often creates the claim
Many tech disputes start as you did not deliver what you promised, then become a claim. We help you align insurance with your MSA, SLAs, and common security obligations.
Fraud is a real loss driver
Fraud losses are common. This is why we pay attention to how cyber and crime-style coverage responds to funds transfer and social engineering scenarios.
What We Commonly Build Into a Tech Program
These are the coverages tech companies typically need. We'll recommend what fits your operation and explain trade-offs clearly.
Frequently Asked Questions
I am SaaS. Do I need Tech E&O if I already have CGL?
Usually, yes. CGL is not designed to cover client financial loss allegations tied to performance, outages, or failure to deliver. That is what Tech E&O is built for.
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