Technology company insurance

Insurance for technology companies, by what you actually sell.

“Tech insurance” is not one policy. SaaS, licensed software, AI, MSPs, and IT consultants are underwritten differently because the claim is different. Pick the page that matches the work, or start a quote and describe the product. A licensed advisor reviews the file. We transact only where licensed.

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Why a generic GL quote fails the first deal

Customers ask for cyber and technology E&O because they rely on your product or your access to their systems. A business owners policy answers a lease. It does not answer an MSA. We shop coverage as an independent agency. Policies, if issued, are written by licensed carriers, not in our name.

Nothing is bound until the issuing market confirms it in writing. We aim to respond within one business day.

Choose the closer label

SaaS if customers subscribe to hosted software
Software if you license, ship on-prem, embed, or sell through a marketplace
AI if model output or training data is the product
MSP if you have ongoing admin access to client networks
IT consulting if the work is SOWs and implementations

Today

CyberBreach, privacy, ransomware, and related response costs, subject to the form. See cyber insurance.

Technology E&OA claim that software or a tech service failed to perform. See Tech E&O insurance.

Business owners policyPremises, contents, and general liability when a lease or landlord is in the file.

Workers compensationRequirements vary by state, employer type, and workforce. Remote staff are typically rated where they work.

As you grow

Enterprise contractProcurement may request limits in the multi-million-dollar range, plus additional insured and waiver language. Send us the requirements. A certificate does not create that wording.

Priced roundDirectors and officers cover. Outside directors commonly expect the company to maintain D&O. See startup insurance and startup D&O.

HeadcountEmployment practices liability tracks people more than revenue. It is separate from workers compensation.

Questions we hear

No. It is a stack that depends on how you sell, what data you hold, and what the contract asks for. We will not treat SaaS, an MSP, and a licensed software vendor as the same file.

Not by issuing a certificate. Send us the insurance requirements. We will compare them with the available policy terms and identify what can be satisfied, what may require an endorsement, and what may not be available. After coverage is bound, we can provide the appropriate certificate.

No. Binding authority sits with the issuing carrier or authorized market. We transact only where licensed. We aim to respond within one business day.

Related guides

Tell us what the company does.

The application starts by asking for the industry, then adapts the questions.

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