The contract names the limit. Most tech policies can’t reach it.
Commercial insurance for technology companies — technology E&O and cyber at the limits enterprise contracts actually name, excess above both when primary carriers stop, and the rest of the program around them.
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 technology 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 — The easy online carriers sell cyber without technology E&O at all — and a contract that names both is not satisfied by one.
Umbrella & excess liability
Extra limit stacked above general liability, auto and employers liability. Usually the cheapest million dollars on the policy.
Without it — Only a handful of carriers quote $5M primary on tech E&O or cyber. Excess above both is how contract limits actually get met, and we place it constantly.
General liability
Third-party bodily injury and property damage — the line nearly every contract names by default.
Without it — The certificate line every office lease and vendor onboarding portal asks for first, even from a company with no premises risk to speak of.
Employment practices liability
Wrongful termination, discrimination and harassment claims brought by your own employees. General liability specifically excludes these.
Without it — Tech employment claims — misclassified contractors, terminated engineers, offer letters — are decided on documents, and none of them touch general liability.
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 — Required the moment you have a W-2 employee, in every state you employ them — remote hires quietly multiply the states.
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 — Social-engineering and funds-transfer fraud sit in crime forms, not cyber ones — the wire that left because an email looked right.
A software company landed its first enterprise customer and the MSA required $5M in technology E&O and cyber. Their online-purchased policy capped at $1M, and the carrier had no higher limit to sell — the deal was waiting on a certificate they could not produce.
We placed primary tech E&O and cyber with a carrier that writes real limits, and excess above it to the contract’s number. The certificate went out inside the customer’s procurement window. Excess over cyber and tech E&O is a placement we make constantly, because only a handful of carriers quote $5M primary.
What technology operators ask us.
A contract requires $5M in cyber and tech E&O. Our carrier tops out lower. What now?
This is the single most common reason technology companies call us. Most of the convenient online carriers stop at $1M or $2M, and only a handful of markets quote $5M primary. The placement that actually satisfies the clause is usually a primary policy at its best limit with excess layered above it — over both the cyber and the tech E&O. We structure that routinely, and the certificate shows the full limit the contract named.
We already have a professional liability policy. Isn’t that tech E&O?
Read the form before assuming so. The miscellaneous E&O policies commonly sold to tech firms online often exclude — or sublimit to a fraction of the policy — claims arising from the dissemination or leak of personally identifiable information, and HIPAA violations. For a company whose product touches customer data, those are precisely the claims most likely to arrive. A true technology E&O form is written for software failing and data escaping; a generic one is written for neither.
What is the difference between cyber and tech E&O?
Cyber answers for what happens to your systems and data — breach response, ransomware, notification, your own downtime. Technology E&O answers for what your product or service does to a client — the outage your software caused them, the deliverable that failed. Contracts usually name both because customers carry both exposures from you, and one policy responding does not make the other claim go away.
Why do we need general liability if nobody visits our office?
Because the systems asking for it do not care. Office leases, vendor onboarding portals and event contracts request a general liability certificate as a matter of course, and the absence of one stalls procurement exactly like a missing cyber limit does. It is inexpensive for a technology risk, and having it ready is mostly a matter of never being the reason a deal waits.