Software company insurance

Insurance for software companies whose customers depend on the product.

The buying problem is a customer who will not sign until they see technology E&O and cyber, whether you license on-prem, ship through a marketplace, or embed in someone else’s stack. That is a different file from a pure SaaS subscription, and a different file from an MSP. We ask what the software does, then take it to market.

Start an application All industries

ProductLicenseCustomerE&O

Licensed, on-prem, embedded, marketplace

Software companies that are not “SaaS-first” still hold source, sometimes customer data, and always a performance promise. On-prem and licensed products shift some security onto the customer and keep the E&O claim when the product fails. Marketplace and embedded products add a platform’s insurance schedule on top of yours.

If you are truly subscription, hosted, multi-tenant, use the SaaS page. If you manage client IT, use the MSP page. If you are not sure, pick software in the application and describe it. We will recode the file.

What this page is not

Not an instant quote or a bind button
Not a personal home and auto policy for the founder
Not a promise that every marketplace vendor schedule can be matched
Not a determination you are eligible for any coverage

Today

Technology E&OBugs, failed implementations, and missed performance that a customer claims as a financial loss. This is the cover most software MSAs name.

CyberYour environment, your build pipeline, and any customer data you still touch. Even on-prem vendors get asked for it.

BOP and workers compOffice or warehouse, employees, and the lease. Workers compensation requirements vary by state, employer type, and workforce.

As you grow

Enterprise or OEM dealLimits, additional insured, and sometimes unique wording from the buyer or the platform. Email the exhibit after you submit. A certificate does not create that wording.

Moving to hosted SaaSThe data and uptime profile change. So does the cyber file. Do not wait for the first hosted customer to mention it.

Priced roundDirectors and officers cover. See startup D&O if that is the trigger sitting on your calendar.

Questions we hear

Often yes. You still have email, source, laptops, and sometimes a customer’s data in support. Many buyers require cyber regardless of hosting. If a market will write E&O without it, we will say so. Do not assume.

Related, not identical. SaaS underwriting leans on multi-tenant data and SLAs. Licensed and on-prem lean on product failure and how you deliver. If you do both, tell us. The application has a description field.

After a carrier binds a policy, certificates are a service task. They evidence the policy. They do not change it. Before bind we need a submission and underwriting. We aim to respond within one business day. Put the certificate deadline in the notes.

Related guides

Start as a software company.

The application opens on software so we ask about the product, not a restaurant or a jobsite.

Start an application