Your customers’ lawyers wrote your insurance requirements. We read them.Founded by a software developer who owns a software company.

Cyber & tech E&O

Breach response, ransomware and the notification costs that follow. Technology errors and omissions sits on the same policy and covers the software or service itself failing a client, which is the half most tech companies find out about too late.

Without it — A subscription platform is a standing promise about uptime and data. Both halves — the product failing a customer, and the data escaping — need their own answer.

Umbrella & excess liability

Extra limit stacked above general liability, auto and employers liability. Usually the cheapest million dollars on the policy.

Without it — Enterprise DPAs and MSAs name limits your primary carrier may not sell. Excess above cyber and tech E&O is how the number on the contract gets onto the certificate.

Employment practices liability

Wrongful termination, discrimination and harassment claims brought by your own employees. General liability specifically excludes these.

Without it — Growth-stage hiring and its reversals generate the claims general liability never touches.

Workers compensation

Required in almost every state the moment you have employees. Priced on payroll and class code, which is why the class code is worth arguing about.

Without it — A remote team means coverage in every state someone works from, and the states check.

Crime & employee dishonesty

Theft by your own staff, funds transfer fraud, and the dishonesty bond a home care contract will ask you for by name.

Without it — Funds-transfer fraud and social engineering are crime claims, not cyber ones: a distinction discovered at the worst possible time.

Business owners policy

General liability and property packaged together. Cheaper than buying them separately when you qualify, and most small businesses do.

Without it — The office, the laptops and the general liability certificate in one policy, sized for a company whose real risk lives elsewhere.

Our customer’s DPA makes us liable for data incidents. Does our E&O respond?

Only if the form says so. Cheap miscellaneous E&O policies fail software companies right there: many exclude or heavily sublimit claims arising from the leak of personally identifiable information and HIPAA violations, which for a data business is the main event. A form built for technology risks treats PII release as a covered core, not a carve-out. We read the exclusions before quoting, because the difference does not show on a price comparison.

An outage cost our customer money and they invoiced us for it. Is that insurable?

That is precisely what technology E&O exists for. It is the claim that your service failing cost a client money. Cyber does not answer it unless the outage came from a security event, and general liability never does, because no one was injured and no property was damaged. If your SLA carries credits or your MSA carries liability, this is the policy doing the work.

How much does SaaS insurance cost?

Revenue, data volume and limits drive it more than headcount. A seed-stage platform with modest data might place tech E&O and cyber together at a four-figure annual premium; a company holding millions of records or signing $5M-limit contracts is a different program with excess layers. The honest answer arrives after two questions, your revenue and what your contracts require, which is most of what our quote form asks.

We’re pre-revenue. When does this actually matter?

The day the first real customer’s procurement checklist arrives, which is usually the same week you most need the deal to close quickly. Placing coverage takes days; doing it under a procurement deadline compresses your leverage. Starting the program at first contract, at small limits, means later growth is an endorsement rather than a scramble.

Our SaaS product added an AI assistant. Does anything about our insurance change?

Two things. The tech E&O policy now has to cover AI output affirmatively, because a wrong answer the assistant gives is a failure to perform and a 2026 renewal can exclude it. And if the assistant sees customer data, the cyber and privacy side has to cover an AI model as a system, with a business associate agreement behind it when the data is health information. Tell the carrier what the assistant does and which model it calls; the endorsement is usually modest and the exclusion is usually silent.

Tech E&O for AI features that touch customer data

A customer’s procurement team sent an insurance exhibit and a security questionnaire. Where do we start?

Send both to us at once. The exhibit sets the limits and the wording the certificate has to show, usually technology E&O and cyber at $1M to $5M each plus general liability and workers comp. The questionnaire asks nearly the same questions as a cyber application, and a SOC 2 report or ISO 27001 certificate is evidence an underwriter will credit in the price. Answering them consistently, once, is the fastest way to a certificate procurement will accept.

Tech contract insurance requirements, clause by clause