Your customers’ lawyers wrote your insurance requirements. We read them.
Insurance for SaaS and software companies — technology E&O for the product failing, cyber for the data it holds, and the excess limits enterprise procurement actually asks for.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
What SaaS businesses actually need.
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.
A SaaS platform holding end-user personal data came to us with a miscellaneous E&O policy bought online. The form sublimited PII-release claims to a small fraction of the limit — for a business whose entire risk was a database of personal information, the coverage was thinnest exactly where the exposure was thickest.
We replaced it with a technology E&O and cyber form built for data businesses, at full limits, and the renewal cost less than the misclassified policy it replaced. What they had been paying for was a certificate, not coverage.
What SaaS operators ask us.
Our customer’s DPA makes us liable for data incidents. Does our E&O respond?
Only if the form says so. This is where the cheap miscellaneous E&O policies fail software companies: 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 — 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.