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Tech Insurance

Tech insurance is a special, niche-based type of insurance that is intended specifically for technology businesses or professionals. Examples might include Information Technology consultants, software companies, website developers, tech support companies, and network managers. Businesses or professionals in these categories may need tech insurance.

Not everyone understands what ‘tech insurance’ is, or even knows that it exists. It’s not, for instance, a policy to protect the technology assets that your business uses. A traditional business/property/contents insurance policy will cover your computers and your network equipment. It is also not the type of policy you would buy to protect yourself from hacks or security breaches. A cyber liability policy would serve that function.

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Tech Insurance Coverages

Tech insurance, for these companies, can provide an array of different coverages. For instance, let’s say you are an IT consultant. You are working with someone to set up their network, transition to a new piece of software, or move their data to the cloud. In taking on these responsibilities, you are also taking on a unique type of risk. You are working with someone else’s technology. Which means that a traditional business insurance policy or cyber liability insurance policy is not likely to protect you. If something goes wrong—say, you accidentally do something that corrupts the data you are trying to move to the cloud—you could be at risk for a lawsuit. In such a situation, your tech insurance policy would spring into action to cover your legal costs.

In the above case, your tech insurance policy would be acting as a special type of professional liability – errors and omissions (E&O) coverage. Your policy would vary depending on whether you were providing technology services or technology products. Working with an insurance broker who understands tech insurance will help you find a policy that protects you from the unique risks your tech business faces on a daily basis.


Other Tech Insurance Coverages

There are other coverages provided in a tech insurance policy, too. These may include business interruption, equipment breakdown coverage, cyber liability and more. Of course, you can purchase some of these coverage types as a standalone policy. We’ve already mentioned, for instance, that cyber liability insurance is something a lot more businesses are starting to purchase. In the era of major corporate data breaches, there is really no type of business that doesn’t need cyber insurance. With tech insurance, though, you get multiple types of coverage under the same policy. Working closely with your insurance broker to select the most important coverages for your business will ensure the best results.


DIY Tech Insurance

We are proud to announce that we are now offering DIY tech insurance at our agency. Our Online Insurance Purchasing tool gives you a guided step by step toolkit to help you get the insurance coverage you need and get it right, every time. Anytime and anywhere. Once your policy is in place, one of our advisors is assigned to your policy to ensure it is correct and to be there for you in case of service changes or in the event of a claim. If your business is in the technology world, you can purchase your policy online with our DIY Tech Insurance or give us a call to chat. Our team of insurance professionals are always here help you tailor a tech insurance policy that makes sense for you. Whether you are a service provider or a technology products manufacturer. We’re here to help you Enjoy The View!

Tech Insurance Types

Coverages Provided

General Liability Coverage

Provides coverage to a business for bodily injury, personal injury, and property damage caused by the business’ operations, products, or injury that occurs on the business’ premises. It can also help with defense costs and provide the legal expertise to protect you. Any incident that results in an injured customer or property damage could lead to legal action and expensive lawsuits. Commercial General Liability coverage can help you recover these costs.

Office Contents Coverage

Provides coverage to protect all of your company assets located inside your place of business, whether you own your building, operate from a home office, or rent premises. The types of contents or property normally covered against damage, theft or loss include: Computers, Machinery, Equipment, Office Furniture or Inventory and Stock on Hand. There are many different options that can be added to enhance your basic coverage depending on the type of business you’re in. Common examples are: Replacement Cost, Consequential Loss Coverage, or Floods and Water Damage Protection.

Professional Liability Insurance

Provides coverage for businesses who provide professional service or advice. Otherwise, known as Errors and Omissions (E&O) Insurance, Professional Liability insurance protects your business against charges of negligence or harm, based on professional service or advice you provided. Professional Liability covers judgements, settlements, defense costs and penalties or fines resulting from the breach of professional services, misleading advice, conflict of interest, allegations of misrepresentation and wrongful business practices.

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Need Help?

Our team of insurance professionals are always here to help find the right insurance for you. Send us an email, click Contact Us, or give us a call to chat with one of our professionals.