Technology Company Insurance for SaaS, Software & Tech Startups
Technology companies face risks most business insurance doesn't cover. Cyber liability, software failures, data breaches, and intellectual property disputes need specialized protection built for how you operate.
- Technology E&O and cyber liability coverage tailored to your business model
- Protection from data breach liability, ransomware, and business interruption
- Multi-carrier quotes comparing specialized tech-focused insurers
Running a technology company — whether you build SaaS products, provide managed IT services, develop custom software, or operate as a tech startup — means operating in an environment where traditional business insurance creates gaps. A standard general liability policy was designed for brick-and-mortar retail or service businesses where liability is straightforward: someone slips on your floor, or you damage their property during work. Technology companies operate differently. Your primary product isn't a physical good — it's software, data infrastructure, digital services, or intellectual property. When your software fails and causes a client to lose business, when a data breach exposes customer payment information, or when a ransomware attack forces you to shut down operations for days, traditional liability coverage simply isn't there. Technology companies need insurance built specifically for the risks you actually face.
The insurance gap for tech companies exists because most standard policies predate the digital economy. A policy written for a construction company or medical office doesn't anticipate scenarios where you're liable because your application had a bug, where you're responsible for securing data that isn't physically yours to protect, or where a service interruption you caused leads to financial harm to clients worth multiples of your annual revenue. Technology E&O (errors and omissions) insurance was created specifically to bridge this gap, covering financial losses that result from your professional services or software failing to perform as promised. Cyber liability insurance addresses the other critical gap: coverage for data breaches, ransomware demands, notification costs, credit monitoring services, and the business interruption that results when attackers shut down your systems. Together, these two policies form the foundation of tech company protection, and they exist because the risks are real, common, and devastating when they occur.
California's data-privacy and cybersecurity environment adds urgency to this coverage. Regulators increasingly expect businesses handling customer data to have security measures in place and to carry cyber liability insurance as evidence of responsible risk management. When a breach occurs, compliance obligations, notification requirements, and regulatory scrutiny follow automatically. Cyber insurance doesn't just cover the direct cost of notifying affected individuals — it covers forensic investigation, legal defense, credit monitoring services, and business interruption while you recover. For growing tech companies especially, the reputation damage from a public security incident can be as harmful as the financial loss. Insurance can't prevent a breach, but it can help you respond responsibly and maintain operations while you recover.
At Covered By Us, we work with tech companies across the Inland Empire, Southern California, and statewide because we understand that your insurance needs are fundamentally different from those of a traditional business. We shop carriers that specialize in technology company coverage, not generalists trying to shoehorn a tech business into a package built for someone else. We understand the risks specific to SaaS, managed services, app development, and tech startups, and we know which carriers have strong underwriting expertise in your space. Whether you're pre-funding or post-Series-A, handling customer payment data or sensitive personal information, we'll make sure your coverage is built for your actual business model and exposure, not a one-size-fits-all template. Let's talk about protecting your technology company.
Who Needs Technology Company Insurance
Technology company insurance isn't a standard business expense — it's essential protection for specific business models and risk profiles. Here are the companies for whom tech-specific coverage is critical:
SaaS and Software-as-a-Service Companies
Any company delivering software via subscription — whether you host the application, allow customers to deploy it themselves, or provide a hybrid model — faces liability if the software fails, performs incorrectly, or causes financial harm to customers. SaaS companies are the primary target for technology E&O coverage, which protects you from claims that your software didn't meet promised specifications, caused a client's business interruption, or resulted in data loss. With customers often relying on your platform for mission-critical operations, the potential liability is enormous.
Managed Service Providers and IT Services Companies
MSPs and IT services firms provide ongoing system management, security monitoring, data backup, network administration, and other technical services to business clients. When you're responsible for a client's systems and something goes wrong — a data loss you should have prevented, a ransomware attack that got past your monitoring, an outage caused by your misconfiguration — you're liable for the client's losses. Technology E&O and cyber liability insurance protect you from the financial consequences of these professional errors.
Mobile App Developers and Custom Software Developers
Developers creating custom applications for clients or publishing apps to public app stores face liability both from clients (who may claim the app doesn't work as promised) and from end users (who may claim the app mishandles their data, tracks them without consent, or causes financial harm). Technology E&O insurance covers claims from clients; cyber liability covers data breach liability from end users. Depending on your app's function and the data it handles, you may need both.
Tech Startups Pre-Funding and Post-Funding
Early-stage startups often skip insurance because cash is tight, but investors increasingly require technology insurance as a condition of funding. Venture capital firms and angel investors expect you to carry cyber and E&O coverage before they commit capital, and acquiring customers often requires you to demonstrate insurance in place. Startups that delay coverage until after funding often face higher premiums due to lack of underwriting history. Getting insured early, even at a small scale, establishes the underwriting relationship and often results in lower costs as you scale.
Companies Handling Customer Payment Data and Personal Information
If your business collects, stores, or processes payment card data, social security numbers, medical information, or other personally identifiable information, you carry significant cyber liability exposure. A data breach isn't just a business problem — it's a regulatory and legal problem with notification requirements, credit monitoring obligations, and potential fines. Cyber liability insurance covers the costs of breach response, forensic investigation, legal defense, and notification services. For payment-processing companies especially, cyber coverage is non-negotiable.
AI and Machine Learning Companies
Companies building AI models, training machine learning systems, or deploying algorithmic decision-making face emerging liability around algorithm bias, data privacy, intellectual property rights, and misuse of training data. Traditional insurance often excludes these newer risks, but specialized technology E&O policies are beginning to address them. As an AI company, you need coverage that specifically contemplates algorithmic liability and data-privacy risks around training data and model outputs.
What Technology Company Insurance Covers
Technology Errors and Omissions Liability
Core coverage for tech companies, protecting you from claims that your software, application, or IT services failed to perform as promised, resulting in financial harm to clients. This covers bugs that cause the software to malfunction, missed deadlines in delivery, failures to meet technical specifications, or inadequate performance. If a client claims your software caused them to lose business, this is the coverage that responds. Limits typically range from $1 million to $5 million depending on your revenue and risk profile.
Cyber Liability and Data Breach Insurance
Covers the costs of responding to data breaches, ransomware attacks, and cyber extortion. This includes forensic investigation to determine what was accessed, notification to affected individuals and regulatory bodies, credit monitoring services for affected parties, legal defense against breach-related lawsuits, and regulatory fines or penalties (in some policies). If hackers access customer data or encrypt your systems, cyber liability covers the incident response costs that often exceed $100,000 before recovery even begins.
Business Interruption and Extra Expense Coverage
Covers lost income and additional costs incurred if a cyber incident, software failure, or data breach forces your business to shut down or operate at reduced capacity. If a ransomware attack takes your systems offline for a week, this coverage reimburses the revenue you lose during that time, plus extra expenses incurred to restore operations faster. For SaaS companies and service providers, business interruption is often more valuable than the direct damage coverage because your real loss is the income you can't generate while systems are down.
General Liability Insurance
Covers bodily injury and property damage liability — slips and falls in your office, damage you cause to client property during service delivery, or injuries caused by your operations. While this isn't tech-specific, it's essential baseline coverage for any business. General liability doesn't cover professional errors (that's E&O) or data breaches (that's cyber), but it does cover standard premises liability and bodily injury exposure.
Employment Practices Liability Insurance
Tech companies, especially early-stage startups, face significant employment-related claims: wrongful termination, harassment, discrimination, wage disputes, and breach-of-employment-contract claims. EPLI covers the cost of legal defense and settlements for employment-related claims. Fast-growing tech companies are particularly exposed because rapid scaling often leads to HR growing faster than HR infrastructure, creating opportunities for claims. This coverage is especially valuable if you lack a dedicated HR department.
Directors and Officers Liability Insurance
Protects your company's leadership (founders, executives, board members) from personal liability for decisions they make on behalf of the company. A shareholder might sue the board for mismanagement, or regulators might pursue individuals for company violations. D&O insurance covers the legal defense and settlements for these claims, which can otherwise devastate personal finances. For startups with founders who've invested their own capital, D&O protection is important risk management.
Intellectual Property Infringement Defense Coverage
Covers legal defense costs if you're sued for infringing someone else's intellectual property — patent infringement, copyright violation, or trademark misuse. For software companies especially, patent litigation is an occupational hazard. This coverage is sometimes bundled with E&O policies and sometimes purchased separately. It's particularly important for companies in crowded software spaces where patent disputes are common.
Media and Privacy Liability
Covers claims related to invasion of privacy, defamation, copyright infringement, libel, and slander arising from your website, app, marketing materials, or user-generated content. If a user sues claiming your app violates their privacy, or if you're sued for copyright infringement related to content in your platform, this coverage responds. Especially valuable for companies with social features, content platforms, or marketing-heavy operations.
Professional Indemnity and Warranty Coverage
Broader than E&O alone, this covers your warranties about your product's functionality, security, and performance. If you warrant that your software is secure and that warranty is breached by a security vulnerability, this coverage protects you from the resulting claims. Also covers claims that the service or product caused financial loss to the client beyond direct damages.
Commercial Property Insurance for Equipment and Facilities
While your primary assets may be intellectual property and data, you likely have office space, servers, computers, and other equipment. Commercial property insurance covers these physical assets against fire, theft, vandalism, and other perils. For companies hosting their own servers or maintaining significant on-premises infrastructure, this becomes especially important.
How to Get Technology Company Insurance Coverage
Securing the right technology insurance involves understanding your specific business model, quantifying your exposures, and choosing coverage that matches your risk profile. Here's the step-by-step process:
Assess Your Business Model and Key Exposures
Start by documenting your business: Are you SaaS, managed services, custom software, app development, or another tech model? What data do you handle — payment information, personal data, sensitive business information? How many customers do you serve, and what's the typical value of a customer relationship? Do you host your own infrastructure, use cloud services, or a hybrid model? This self-assessment identifies your biggest risk areas. A SaaS company's primary exposure is software failure and data breach; an MSP's primary exposure is data loss or ransomware affecting customer systems; an app developer's primary exposure might be IP infringement or privacy claims. Understanding your specific risks helps you build coverage that matters.
Review Existing Coverage Gaps
If you already have business insurance, review what you're carrying — general liability, property insurance, any tech-specific policies. Most small tech companies start with only general liability, which leaves huge gaps. General liability doesn't cover professional errors, data breaches, cyber attacks, or IP infringement. Your agent will help you identify what gaps exist and what new coverage you need. This review often reveals that your current coverage is inadequate for your actual risk.
Consult with an Agent Experienced in Technology Insurance
Work with an independent agent who understands technology company insurance specifically, not just general business insurance. A tech-focused agent knows which carriers specialize in your type of business, what coverage structures make sense for SaaS vs. managed services vs. app developers, and what underwriting questions different carriers will ask. An agent unfamiliar with tech will either leave coverage gaps or recommend coverage you don't need. This consultation is where you build a protection plan tailored to your actual business.
Shop Multi-Carrier Quotes for Technology E&O and Cyber Coverage
An independent agent shopping multiple carriers can bring you quotes from insurers that specialize in technology coverage. You'll see different premium levels, different coverage structures, and sometimes different exclusions. For technology E&O, limits typically range from $1M to $5M. For cyber liability, limits typically range from $250K to $5M. The agent explains the tradeoffs: why one carrier is more aggressive on pricing for SaaS companies, why another specializes in MSPs, and which policy structure best matches your risk profile. Shopping across carriers often yields premium differences of 30-50% for identical coverage.
Select Coverage Limits and Key Endorsements
With your agent's guidance, you'll choose your technology E&O limit, cyber liability limit, general liability limit, and any additional coverage (EPLI, D&O, IP defense). The agent helps you understand the math: a $2M E&O limit costs X; a $3M limit costs Y. What's the value of the extra coverage relative to the cost? For cyber, you'll also choose your deductible (typically $10K-$50K) and retention options. The agent helps you balance cost against protection based on your revenue, assets, and risk tolerance.
Complete Detailed Application and Underwriting
You'll complete a detailed application providing information about your company, your business model, your customers, your data handling practices, your security measures, and your claims history. Technology insurers underwrite carefully because the risks are significant and claims can be large. Be thorough and honest in your application — misrepresenting facts or omitting information can lead to claim denials later. The underwriting process typically takes 5-10 business days and may include follow-up questions about your operations, security practices, or customer contracts.
Receive Policy Documents and Understand Your Coverage
Once your application is approved, you'll receive your policy documents. Read them carefully — understand your coverage limits, your deductibles, what's covered and what's excluded, and any special conditions. Technology policies often have specific exclusions (for example, some exclude coverage for open-source software vulnerabilities) or conditions (like requirements to carry certain security certifications). Make sure everything in the policy matches what was quoted and discussed.
Pay Premium and Maintain Active Coverage
Most technology insurance policies are annual or semi-annual. Some carriers offer monthly payment plans. Your coverage becomes effective when you pay and the carrier issues the binder. Mark your renewal date — typically one year from the effective date. Keep coverage active continuously; a lapse in coverage can create headaches if a claim occurs during the gap. Annual review is essential to ensure your coverage keeps pace with your growing business.
Common Risks for Technology Companies
Technology companies face risks that are unique to the industry — risks that traditional business insurance either excludes or doesn't adequately cover. Understanding these risks helps you prioritize the coverage that matters most.
Data Breach and Customer Data Exposure
Technology companies collect and hold customer data — payment information, contact details, usage data, or sensitive business information entrusted to you. A breach exposes you to notification obligations, regulatory penalties, lawsuits from affected individuals, and credit-monitoring costs. The financial impact of a major breach can be millions of dollars, especially if it affects thousands of customers. Cyber liability insurance is the primary protection against this risk.
Software Failure Causing Client Financial Harm
If your software fails — an outage, a bug, or a misconfiguration — and the client loses business or productivity as a result, you face liability for their lost revenue. A SaaS platform outage that takes down a customer's operations for 12 hours might result in a six-figure claim for lost sales or productivity. Technology E&O insurance covers this type of claim, which general liability simply doesn't.
Ransomware Attack and Cyber Extortion
Attackers increasingly encrypt a company's data and demand payment for a decryption key. Some demand payment directly; others threaten to sell or release stolen data. Paying ransom is controversial and sometimes illegal, but the costs of not paying — losing all your data, facing extortion demands, suffering reputational damage — can be catastrophic. Cyber insurance covers the forensic investigation, system restoration, and related costs of responding to a ransomware attack.
Intellectual Property Disputes and Patent Litigation
Software companies operate in a complex IP landscape where patent holders sometimes sue for infringement, competitors challenge your intellectual property claims, or vendors claim you've misused licensed technology. Patent litigation is expensive — defense costs easily reach six figures before a case is resolved. IP infringement defense coverage helps you afford to defend your rights or settle claims without devastating cash flow.
Employment-Related Claims and Workplace Disputes
Fast-growing tech companies frequently face wrongful termination claims, harassment allegations, discrimination suits, and wage disputes. Rapid scaling often means HR infrastructure lags behind growth, creating opportunities for these claims. A single employment lawsuit can cost $200,000-$500,000 to defend, even if you ultimately prevail. EPLI coverage makes these claims manageable.
General Premises Liability and Visitor Injuries
Even though you're a tech company, your office space creates traditional liability. A visitor slips on stairs, an employee is injured during a company event, or a contractor is hurt while working on your premises. These injuries can result in significant claims. General liability coverage handles this baseline risk, though most tech companies face far higher exposure from their actual business operations than from premises liability.
Reputational Damage from a Public Security Incident
Beyond the financial costs of a breach, the reputational damage can be severe. Customer trust erodes, employee morale suffers, and recruiting becomes harder. While insurance can't prevent reputation damage, it can help you respond quickly and professionally, which mitigates the reputational fallout. Cyber coverage that includes public relations and crisis management services helps you manage the narrative after a breach.
Service Interruption and Business Continuity Risk
Any technology company depends on continuous infrastructure — cloud services, servers, payment processors, communication systems. When these systems go down, your business grinds to a halt. Business interruption coverage reimburses the income you lose during an outage, along with extra expenses incurred to restore operations faster. For service-based tech companies, this is often more valuable than direct damage coverage.
California Legal and Regulatory Context for Technology Companies
California has become the nation's center for technology regulation, particularly around data privacy, cybersecurity, and consumer protection. While the state doesn't mandate that every tech company carry cyber liability or professional liability insurance, regulators increasingly expect robust insurance as evidence of responsible risk management. When a data breach occurs involving California residents, compliance obligations follow immediately — businesses are required to notify affected individuals of the breach without unreasonable delay. The costs of breach notification — forensic investigation, legal review, notification services, credit monitoring — quickly exceed $100,000 even for small breaches. Cyber liability insurance is designed specifically to cover these notification and response costs.
California's approach to data privacy emphasizes consumer rights to know what personal information is collected, how it's used, and whether it's secure. The state has established expectations that businesses collecting personal information must implement reasonable security measures, train employees on data handling, and have procedures in place to respond to breaches. Regulators also expect businesses to obtain cyber liability insurance as part of a comprehensive risk management program. Insurance doesn't replace actual security measures — you still need firewalls, encryption, access controls, and employee training — but it's increasingly viewed as evidence that you're taking security seriously.
Beyond data privacy, technology companies operating in California face employment-related, intellectual property, and consumer protection regulations that create liability exposure. Employment law in California is particularly plaintiff-friendly, making wrongful termination and harassment claims more common and more expensive than in most states. Intellectual property disputes are an ongoing concern for software companies. Consumer protection laws create liability for deceptive practices, false advertising, and privacy violations. This regulatory environment makes the combination of technology E&O, cyber liability, EPLI, and general liability coverage essential for California tech companies.
Data Privacy and Consumer Information Protection
California expects businesses to implement reasonable security measures to protect personal information and to notify individuals if that information is breached. While specific security standards aren't mandated as hard rules, regulators expect encryption, access controls, secure deletion of data no longer needed, and employee training. Cyber liability insurance covers the notification, investigation, and remediation costs when security fails. Insurance doesn't replace actual security measures, but it's increasingly seen as a core part of responsible data handling.
Breach Notification and Incident Response Obligations
When a breach occurs, California law requires notification to affected individuals without unreasonable delay. The process involves forensic investigation to determine what was accessed, legal review to understand your obligations, notification to individuals affected, notification to regulators if required by other laws, and often credit-monitoring services. Cyber liability insurance covers these response costs, which typically exceed $50,000 for all but the smallest breaches. Delaying notification or handling it incorrectly creates additional regulatory exposure.
Regulatory Expectations Around Cyber Insurance
While not legally mandated in most cases, California regulators increasingly expect businesses handling personal information to carry cyber liability insurance as evidence of responsible risk management. Venture capital investors now routinely require cyber insurance as a condition of funding. Customers increasingly ask whether their vendors carry cyber coverage before signing contracts. Cyber insurance has become a baseline expectation in California's tech industry, not an optional extra.
Employment Law and Workplace Liability
California employment law is among the most protective of employees in the nation. Wrongful termination, harassment, discrimination, and retaliation claims are common, and the state's courts are historically sympathetic to employee claims. Employment practices liability insurance covers legal defense and settlements for these claims. For tech companies with rapid growth and distributed hiring practices, EPLI coverage is essential risk management given California's employment law environment.
Intellectual Property Rights and Competitive Practices
California courts actively enforce intellectual property rights, and patent and copyright disputes are common in the software industry. The state also has strong trade secret protection and non-compete restrictions. Technology E&O policies often include IP infringement defense coverage, protecting you from the cost of defending against or settling IP disputes. For companies in competitive software markets, this coverage is particularly valuable.
What Affects Your Technology Company Insurance Rate
- Your specific business model — SaaS companies, managed service providers, app developers, and tech consultants all present different risk profiles, and carriers price accordingly. A SaaS company with recurring revenue and predictable customer relationships often qualifies for better rates than a project-based custom software firm.
- Your annual revenue and customer count — larger revenue and customer bases indicate greater exposure and typically result in higher premiums. A $500K-a-year startup pays significantly less than a $5M company, but the premium per dollar of revenue often decreases as you scale.
- The types and sensitivity of data you handle — companies handling payment card data, health information, or social security numbers face higher cyber risk than companies handling only business information. Payment processors and health-tech companies pay higher premiums due to the sensitivity of data involved.
- Your security practices and certifications — companies with SOC 2 Type II certification, regular penetration testing, employee security training, and strong access controls often qualify for rate discounts of 10-20%. Demonstrating that you take security seriously meaningfully lowers your premium.
- Prior claims history — any prior claims, particularly for data breaches or professional liability, increase future premiums. Clean underwriting history over time earns better rates. Claims history is particularly important for carriers evaluating whether to renew your coverage.
- Your underwriting history and track record — new companies with no underwriting history typically pay higher rates than established companies with multiple years of clean underwriting. As your company matures and accumulates claims-free years, your rates often decrease.
- Whether you host your own infrastructure or use cloud providers — companies hosting their own servers face higher cyber risk exposure than those relying on major cloud providers who maintain significant security infrastructure. This affects your cyber insurance rates.
- Your chosen deductible and policy limits — higher deductibles lower premiums; lower deductibles increase them. Choosing a $50K deductible versus $10K can shift your annual premium by 15-25%. Similarly, higher coverage limits cost more than lower limits.
- Coverage endorsements and options — adding EPLI, D&O, IP defense coverage, or business interruption extensions increases your total premium. Bundling coverage often provides better pricing than purchasing policies separately.
Technology Insurance Terminology Explained
Understanding these key terms helps you navigate technology company insurance conversations with confidence:
- Technology Errors and Omissions (E&O) Insurance
- Professional liability insurance specifically designed for technology companies, protecting you from claims that your software, application, or IT services failed to perform as promised, resulting in financial harm to clients. Covers claims like software bugs causing business interruption, missed project deadlines, or failure to meet technical specifications. This is the core coverage for any technology company.
- Cyber Liability Insurance
- Coverage for the costs of responding to data breaches, ransomware attacks, and cyber extortion. Includes forensic investigation, notification to affected individuals, regulatory response, legal defense, credit monitoring services, and sometimes business interruption while systems are restored. Essential for any technology company handling customer or client data.
- Ransomware and Cyber Extortion
- Attacks where criminals encrypt a company's data (ransomware) or steal it (extortion) and demand payment for a decryption key or promise not to release stolen information. Ransomware attacks can shut down operations for days or weeks. Cyber insurance covers the costs of investigation, recovery, and response to these attacks.
- Directors and Officers (D&O) Liability Insurance
- Protects company leaders (founders, executives, board members) from personal liability for decisions made on behalf of the company. Covers legal defense and settlements if shareholders sue directors for mismanagement or regulators pursue individuals for company violations. Essential for startups where founders have personal financial exposure.
- Employment Practices Liability Insurance (EPLI)
- Coverage for employment-related claims including wrongful termination, harassment, discrimination, wage disputes, and breach of employment contract. Covers legal defense and settlements for these claims. Particularly valuable for fast-growing tech companies where rapid scaling can create HR challenges.
- Service and Professional Liability
- Broad coverage for your professional services, including promises you make about your software's functionality, performance, and security. If you warrant that your software is secure and that warranty is breached, this coverage protects you from resulting claims.
- Business Interruption Insurance
- Coverage that reimburses lost income and covers extra expenses if your business is forced to shut down or operate at reduced capacity due to a covered event (cyber attack, software failure, infrastructure damage). For service-based tech companies, this is often more valuable than direct damage coverage.
- Breach Response and Forensic Investigation
- Services covered by cyber liability insurance that help you understand and recover from a data breach or cyber attack. Includes forensic examination of your systems to determine what was accessed, legal analysis of your notification obligations, and expert guidance on recovery steps.
Why Covered By Us for Technology Company Insurance
We're an independent insurance agency based in Pomona serving technology companies throughout the Inland Empire, Southern California, and statewide. Because we're independent, we work with multiple carriers that specialize in technology coverage — not just generalist carriers trying to fit your tech business into a standard business package. We understand SaaS companies, managed service providers, app developers, and tech startups because we serve these businesses regularly. We know which carriers excel at underwriting SaaS companies with recurring revenue, which ones specialize in MSPs with complex customer contractual obligations, and where to find coverage for emerging technology risks like AI and machine learning. Our local presence in Pomona means we understand California's regulatory environment for tech companies, particularly the data privacy and cybersecurity expectations that shape insurance availability and cost.
We don't try to sell you standard business insurance. Before we run a quote, we ask about your business model, your data handling practices, your customer concentration, your security measures, and your existing coverage gaps. This consultation uncovers what coverage you actually need versus what a generic template would suggest. We explain the difference between a $1M and a $3M technology E&O limit, help you understand what business interruption coverage would cost and what it would cover, and walk you through cyber liability options that match your data exposure. We review your customer contracts to understand whether your clients are imposing insurance requirements on you. We coordinate across policies so that general liability, E&O, cyber, and other coverages layer correctly without gaps or overlaps.
When you work with Covered By Us, you get an agent who speaks the language of tech companies, understands the specific risks of your business model, knows California's regulatory expectations around cyber insurance, and can build a protection plan that actually matches your business. We handle the complex underwriting process, respond to carrier questions, and manage your renewals so your coverage evolves with your growth. If you ever need to file a claim, we advocate for you with the carrier and help you navigate the process. Start My Quote online or call 909-278-7053 to discuss your technology company's insurance needs — let's build coverage that protects your business and your growth.
Frequently Asked Questions
Do I really need technology E&O insurance if I have general liability coverage?
What's the difference between technology E&O and cyber liability insurance?
How much technology insurance does a startup need?
Do I need EPLI (employment practices liability) insurance?
What if I'm a solo founder or contractor — do I need coverage?
How much does technology company insurance cost?
Does insurance cover ransomware demands or do I have to pay ransom?
What security measures do I need to qualify for cyber insurance?
Can I get coverage for intellectual property disputes or patent litigation?
What happens if I don't disclose a known security vulnerability in my software?
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