Technology E&O / Professional Liability
Responds when your product or advice causes a client financial loss: a bug, an outage, a missed deliverable. Required by nearly every enterprise contract.
Read the Professional Liability guideWhat technology insurance covers
The coverage a technology company needs to sign enterprise contracts, satisfy investors, and absorb the risk of shipping software that other people run their business on.
What insurance does a technology company need?
Most tech companies start with Technology E&O (professional liability) for client losses from a bug or outage, cyber liability for data breaches, and general liability for the basics landlords and clients require. Once you hire, add workers’ comp and usually EPLI. Once you raise institutional funding, investors require D&O. The exact mix follows your contracts, the data you hold, your headcount, and your funding stage.
- Coverage lines
- 8
- Priority tiers
- Core · Recommended · Situational
- Placed across
- 60+ carrier partners
Trusted by 60+ carrier partners
Core
Most tech companies carry these
Cyber Liability
Pays for breach response, ransomware, business interruption, and the privacy lawsuits that follow when customer data is exposed.
Read the Cyber Liability guideGeneral Liability
Third-party bodily injury and property damage. The baseline COI landlords, coworking spaces, and clients ask for first.
Read the General Liability guideRecommended
Common once you raise money or hire staff
Directors & Officers (D&O)
Protects founders and board members personally. Most Series A term sheets require it within 60 to 90 days of closing.
Read the Directors & Officers guideEmployment Practices (EPLI)
Defends wrongful termination, discrimination, and harassment claims from staff. Exposure rises with fast hiring and layoffs.
Read the Employment Practices Liability guideWorkers’ Compensation
Required in nearly every state once you have employees, including remote staff in their home state.
Situational
Add these as exposures grow
Business Owners Policy
Bundles general liability with property coverage for office space, laptops, and equipment. A practical starting point for early-stage teams.
Read the Business Owners Policy guideMedia & IP Liability
Covers copyright, trademark, and IP claims tied to your product or content. Rising fast for adtech, media platforms, and AI companies.
By segment
How the stack shifts by technology type
Every technology carries the core lines. Which recommended and situational lines matter depends on the operation.
CoreRecommendedSituational
Focus on the work.
We'll be your risk team.
Send us your policies and a licensed advisor benchmarks your technology program across 60+ carrier partners, showing the gaps and the savings. If your program is already solid, we'll tell you.
Your quote