All-Around Protection for Technology Enterprises

Protecting The World’s Most Important Industries

Get ahead with ERM-powered insurance that delivers a lot more than the status quo

Aerospace

Tech companies in this industry focus on innovative aerospace technologies such as advanced avionics, satellite communications, and space exploration systems. They work on software for flight operations, navigation systems, and aerospace engineering simulations.

Agriculture

Agricultural tech firms develop technologies for precision farming, crop management software, and automated equipment to increase efficiency in farming operations. These include innovations in genetic engineering, sensor technology, and farm management platforms.

Energy

Energy tech companies are involved in the development of smart grid technologies, renewable energy software, and energy storage solutions to create more sustainable and efficient energy systems. They specialize in analytics for energy consumption and maintenance systems for energy infrastructure.

Financial Services

Technology companies in this sector provide fintech solutions such as mobile banking, blockchain, and automated investment services to modernize and secure financial transactions. They innovate in areas like payment processing, fraud detection, and financial data analytics.

Healthcare

Healthcare technology companies develop electronic health records, telemedicine platforms, and diagnostic algorithms to improve patient care and health sector efficiency. Their products range from wearable health monitors to AI-driven diagnostic tools.

Industrials

In the industrials sector, tech companies create software and robotics for manufacturing automation and predictive maintenance systems for industrial equipment. They focus on IoT integration, industrial data analytics, and supply chain optimization tools.

Manufacturing

Tech companies in manufacturing offer solutions for computer-aided design, manufacturing execution systems, and quality control automation to enhance production processes. They innovate with 3D printing technologies, robotics, and real-time production tracking software.

Professional Services

Technology firms in professional services offer platforms for project management, customer relationship management, and automated accounting to streamline service delivery. They build tools for data analysis, virtual collaboration, and enterprise resource planning.

Retail Trade

Retail technology companies focus on e-commerce platforms, point-of-sale systems, and customer analytics to enhance the shopping experience and operational efficiency. They create solutions like inventory management software, personalized shopping experiences, and retail data analysis tools.

Robotics and AVs

Tech companies in this field are at the forefront of developing AI algorithms for autonomous navigation, robotic process automation, and machine learning systems to enable self-sufficient machines and vehicles. They work on technologies for driverless cars, automated logistics robots, and smart factory systems.

Security

Security tech companies specialize in cybersecurity solutions, surveillance technology, and access control systems to protect against digital and physical threats. Their products include firewalls, biometric scanners, and encryption software.

Supply Chain

Tech companies in the supply chain sector develop software to optimize logistics, manage inventory in real-time, and improve the efficiency of the supply chain networks. They focus on innovations like blockchain for traceability, autonomous delivery vehicles, and advanced forecasting models.

Transportation

Technology firms in transportation are involved in creating traffic management systems, transportation planning software, and platforms for ride-sharing and ticketing. Their developments include real-time routing algorithms, electric vehicle charging station networks, and fleet management software.

Miscellaneous

Technology companies in miscellaneous sectors provide a wide array of services and products, often targeting niche markets with specialized software or innovative technology applications. They may work on anything from event management software to niche social platforms.

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General Liability

Protect your company from losses arising from accidents on your premises, including offices, warehouses, laboratories, test fields, and more

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General Liability

General Liability coverage protects the company from various claims that can arise from its operations. This includes coverage for bodily injury, property damage, and advertising injury that the company may unintentionally cause.

What it covers:

Bodily Injury

Property Damage

Medical Payments

Personal and Advertising Injury

Tenants' Legal Liability

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Policy Limits

Often range from $1 million to $2 million per occurrence with a general aggregate limit that may double the per occurrence limit.

Deductibles

Can vary widely depending on the company’s risk profile but typically may start from $500 to $1,000 per occurrence.

Why do you need General Liability coverage:

Client Requirements

Clients often require a technology company to carry General Liability insurance before entering into contracts.

Lease Agreements

Landlords typically require General Liability insurance as part of a commercial lease agreement.

Financial Protection

Helps protect the company's financial assets in the event of a covered claim or lawsuit.

Legal Defense

Provides legal defense if the company is sued, even if the lawsuit is groundless or fraudulent.

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Product Liability

Protect your company from product-related defects and deficiencies that could lead to third-party bodily injuries or property damages

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Product Liability

Product Liability coverage provides protection against claims of injury or damage caused by the products the company develops, manufactures, or sells. This insurance can cover the costs associated with legal defense, settlements, and any court-ordered compensation.

What it covers:

Design Defects

Defective Warnings or Instructions

Manufacturing or Production Flaws

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Policy Limits

Can vary significantly but often start at $1 million per occurrence with higher limits available based on the company's exposure and needs.

Deductibles

Deductibles for product liability can range significantly based on the risk, product type, and coverage amount but typically start at a few thousand dollars.

Why do you need Product Liability coverage:

Customer Trust

Demonstrates to customers that the company stands behind its products and is prepared to address any issues that arise.

Regulatory Compliance

In some cases, regulatory requirements might mandate that certain products carry product liability insurance.

Financial Risk Mitigation

Helps to mitigate the financial risks associated with unexpected costs from lawsuits related to product issues.

Settlements and Judgments

In the event of a settlement or judgment against the company, product liability insurance can cover these costs, which could otherwise be substantial.

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Technology Errors & Omissions

Protect your company from technical mistakes and erroneous system behavior that may lead to third-party losses

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Technology Errors & Omissions

Technology Errors & Omissions (E&O) coverage is a professional liability insurance specifically designed for technology businesses. It provides protection against claims of negligence or inadequate work, specifically in the services or products that a technology company provides or develops.

What it covers:

Negligence

Errors in Service

Omissions

Breach of Warranty or Contract

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Policy Limits

Common limits range from $1 million to $5 million, but higher limits are available for companies with greater exposure.

Deductibles

Deductibles can start from $2,500 and up, depending on the company's size and the risk involved.

Why do you need Technology Errors & Omissions coverage:

Contractual Requirements

Often a contractual necessity, as clients want assurance that there will be financial recourse if the technology company fails to deliver as promised.

Legal Defense Costs

Provides for the defense of the company in a lawsuit, which can be prohibitively expensive without coverage.

Professional Service Protection

Protects the financial interests of the company if its professional services or advice fail to meet a client's expectations.

Credibility with Clients

Can increase a company's credibility and trustworthiness in the eyes of clients who know that there's financial backing in the event something goes wrong.

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Cyber Liability

Protect your company from system hacks that could lead to first-party (your company) and third-party (your customers) damages

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Cyber Liability

Cyber Liability coverage supports enterprises in the event of a data breach or cyber attack. For technology companies that handle sensitive data and rely heavily on digital infrastructure, this coverage is vital.

What it covers:

Data Breach Response

Data Recovery

Cyber Extortion

Business Interruption

Network Security Liability

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Policy Limits

Limits can range widely, from $1 million to $10 million or more, depending on the company's risk exposure.

Deductibles

Deductibles vary based on the size of the company and the risk profile but can start anywhere from $5,000 to $25,000.

Why do you need Cyber Liability coverage:

Contractual Obligations

Clients and partners may require evidence of cyber liability coverage before engaging in business arrangements.

Client Trust

Assures clients that the company is proactive about cybersecurity and prepared to handle incidents responsibly.

Regulatory Compliance

Companies are often required to adhere to strict data protection regulations, and non-compliance can lead to hefty fines.

Increasing Cyber Threats

With the prevalence of cyber attacks, a technology company is at a higher risk for potential breaches and system disruptions.

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Commercial Auto

Protect your company from third-party property damages and injuries to vehicle occupants, including automobiles you own or lease

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Commercial Auto

Commercial Auto coverage protects a company against financial loss resulting from auto accidents while a vehicle is being used for business operations. This includes coverage for bodily injury and property damage caused by the company's vehicles or employees driving for work purposes.

What it covers:

Bodily Injury Liability

Property Damage Liability

Uninsured/Underinsured Motorist Coverage

Medical Payments/Personal Injury Protection

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Policy Limits

Commercial Auto Liability policies typically start with limits of $500,000 to $1 million per occurrence but can be higher depending on the business's risk exposure.

Deductibles

Deductibles for Commercial Auto policies can vary, typically ranging from $500 to $2,000, depending on the coverage selected.

Why do you need Commercial Auto coverage:

Legal Requirement

In most jurisdictions, businesses are legally required to have a minimum amount of auto liability insurance.

Employee Safety

Provides protection and peace of mind for employees who drive as part of their job.

Asset Protection

Protects the company's assets from being depleted due to costly accident claims.

Business Continuity

Ensures that the business can continue to operate without significant financial interruption following an auto accident.

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Management Liability

Protect your company from wrongful acts of directors and officers, including lawsuits brought by customers or investors

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Management Liability

Management Liability (ML) coverage provides financial protection for the company’s board members and officers against personal losses as a result of legal actions brought for alleged wrongful acts in their capacity as directors and officers.

What it covers:

Legal Defense Costs

Settlements and Damages

Regulatory Actions

Company Indemnification

Personal Asset Protection

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Policy Limits

ML policy limits can range significantly, often from $1 million to $25 million or more, depending on the size of the company, the risks involved, and the personal net worth of the directors and officers.

Deductibles/Self-Insured Retentions

Deductibles can vary based on the policy but typically start at $10,000 or higher.

Why do you need Management Liability coverage:

Legal and Regulatory Exposure

Addresses the increased risk of litigation and regulatory scrutiny faced by technology companies, particularly in areas like privacy, financial reporting, and intellectual property.

Shareholder Actions

Provides defense and indemnity coverage in the event of lawsuits brought by shareholders, especially for decisions that may affect share prices.

Personal Financial Protection

Safeguards the personal assets of individuals who serve as directors or officers against claims that could lead to personal financial loss.

Business Judgments

Protects against claims related to mismanagement, breach of fiduciary duty, and other wrongful acts associated with managing a company.

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All-Around Protection for Technology Companies

Trusted by the world’s most ambitious enterprises

Protecting The World’s Most Important Industries

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