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Managing Your Risk

Technology Business Insurance - Managing Your Risk

Technology business insurance protects you and your business with coverage for claims related to allegations of negligent activities or failure to use reasonable care. As one of America's leading online providers of general liability, professional liability, and errors and omissions insurance for technology companies, TechInsurance has helped thousands of businesses and individuals get the small business liability insurance they need. When you buy insurance from us, you get exclusive access to the years of experience and expertise we have accumulated in the tech business insurance industry.

Insurance Coverages We Provide

Professional Liability Insurance

Professional Liability insurance protects your company from lawsuits and damages if your client holds you responsible for software performance, programming errors, or a breach of contract. Sometimes you can't personally do every job. A Professional liability policy insures not only your mistakes, but also the mistakes of the people and contractors you hire. As a technology business owner, how much is it worth to save yourself from a bad reputation, a lost client, or embarrassment resulting from a mistake? Allow us to customize a professional liability insurance policy for you that is affordable and effective.

General Liability Insurance & Business Owner's Policy

General Liability Insurance (GLI) offers a baseline of protection for business owners. GLI protects you against third-party property damage and bodily injuries — in other words, injuries and damages suffered by your clients on your business premises. General Liability policies kick in when someone brings a lawsuit against your business related to personal injuries or property damage, and typically cover legal fees and settlement costs associated with the suit.

Errors and Omissions ( E&O ) Insurance

In a technology business, errors and omissions are a common occurrence. Now more than ever there is a greater tendency for your clients to file a lawsuit when things go wrong. Business owners like you buy Errors and Omissions insurance to protect their company and the people they employ. Errors and omissions insurance is a separate policy that covers you in the event someone claims you are liable for any of several types of actions. It could be that you're accused of being negligent, or simply that you failed to take some action. From the person whose job is to make recommendations to the person who offers installation advice for a product their company sells, almost every Tech professional has the potential to make a minor mistake that could lead to a major lawsuit.

Cyber Liability / Data Breach Insurance

Often purchased as part of a Technology Professional Liability policy, Cyber liability coverage is designed to protect your business against liability and expenses arising from the theft or loss of data, as well as liability and expenses arising from a breach of data security or privacy, particularly when you are hosting client information. While your clients should carry their own cyber liability insurance for the data and personally identifiable and confidential information stored on their servers, tech business owners are wise to protect themselves with their own third-party coverage as well.

Certificates of Liability Insurance

A certificate of liability insurance is often required by clients in situations where risks and damages are a concern. For instance, a bank wants to hire a software developer from an IT staffing agency. The bank will most likely ask the agency to show them a certificate of insurance that proves that certain liabilities will be covered by insurance in the event the developer has a slip-up. The Certificate is a document that indicates your coverage amounts, carriers and policy effective dates.

Workers' Compensation Insurance

Legally required in most states for any business that has employees, Workers' Compensation Insurance covers the costs of injuries or illnesses that you or your employees sustain on the job. In addition to paying for medical bills related to a workplace injury, Workers' Comp benefits can be used to cover the income an employee is unable to earn while too injured or sick to work. Some business owners are able zto save money on Workers' Comp premiums by excluding themselves from the policy – your insurance agent can provide you with details about what's permitted in your state.

Additional Insurance Coverage for Tech Companies

Some tech companies need more than the basic insurance policies. Discover the less-common types of business insurance that can help you manage the risks unique to your industry or your particular business and find out how they can keep your assets safe. Read more about our Additional Business Insurance Policies here.

Who We Insure

We insure a lot of different types of technology professionals and companies. Be sure that you are insured properly by utilizing our insurance experts and tools. If you're ready to get started, feel free to read more about who Techinsurance insures.

Insurance Resources: Data & Downloads

Costs & Quotes

The cost of business insurance varies widely depending on the specifics of your company: number of employees, type of work you do, clients you work with, annual revenue, and more. Find out more about the factors that influence the cost of insurance for your business.

Sample Insurance Quotes for Tech Companies

Cost Estimates for Typical Policies


Analyze your contract to see which policies fit best, use our interactive cost estimator, and search our job board for work opportunities.

TechInsurance Toolkit


You want your IT business to grow, so you've got to protect it. Browse our free downloadable contract template, and detailed guides to help you identify your risk exposures, manage your client relationships, and understand the complexities of business insurance.

Free Contract Templates

eBook: Risk & Project Management

eBook: Protection for Tech Pros


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Risk Management

A detailed guide to protecting your business by managing and minimizing the risks you face.

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