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Top recommended small business insurance policies

General liability insurance

General liability insurance icon

This policy protects businesses from the most common third-party risks. A business owner’s policy bundles this coverage with property insurance at a discount.

BEST FOR
  • Accidental client injuries
  • Accidental damage to client property
  • Libel, defamation, and copyright lawsuits

Errors and omissions insurance

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This policy protects against lawsuits over mistakes or oversights made by professionals. It's also called professional liability insurance.

BEST FOR
  • Failure to meet client requirements
  • Failure to meet a deadline
  • Errors and oversights

Cyber liability insurance

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This policy covers the cost of recovering from a data breach or cyberattack at your tech company.

BEST FOR
  • Lawsuits from clients affected by a breach
  • Notifying affected clients about a breach
  • Fraud detection and monitoring

Business owner's policy

Business owner’s policy icon

This policy bundles property insurance and general liability insurance into one plan. It’s one of the most economical types of business insurance for a tech company.

BEST FOR
  • Accidental client injuries
  • Accidental damage to client property
  • Damaged business property

Workers' comp insurance

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State law usually requires tech businesses that have employees to purchase workers' compensation. It helps pay medical costs from work-related injuries and illnesses.

BEST FOR
  • Medical bills from work injuries
  • Partial wages while employee recovers
  • Lawsuits over work injuries

Fidelity bonds

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A fidelity bond provides compensation when one of your employees steals from a client. It's also called an employee dishonesty bond.

BEST FOR
  • Unlawful data access by an employee
  • Illegal electronic funds transfer by an employee
  • Other employee theft or fraud

Commercial auto insurance

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This policy can help pay for expenses after an accident involving a vehicle owned by your business. You can extend it to include coverage for vehicle damage.

BEST FOR
  • Car accidents
  • Theft and vandalism
  • Weather damage

Hired and non-owned auto insurance

Hired and non-owned auto insurance icon

HNOA covers a business’s liability in accidents that occur while driving leased vehicles, rentals, and employee-owned cars for company errands.

BEST FOR
  • Accidents in leased vehicles
  • Accidents in rental cars
  • Accidents in employee-owned vehicles

Commercial umbrella insurance

Umbrella / excess liability insurance icon

This policy boosts your current liability coverage when its limit is reached. It supplements general liability, commercial auto, and employer's liability insurance.

BEST FOR
  • Additional general liability coverage
  • Additional commercial auto coverage
  • Additional employer's liability coverage

Why technology professionals choose TechInsurance

Need a certificate of insurance, fast?

Carrying insurance gives your clients peace of mind, and some contracts even require it. View and print your certificate of insurance any time with TechInsurance.

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Need a certificate of insurance, fast?
Carrying insurance gives your clients peace of mind, and some contracts even require it. View and print your certificate of insurance any time with TechInsurance.
Your insurance questions, answered
TechInsurance's licensed agents specialize in insurance for tech businesses in all 50 states. You're provided a dedicated account manager who's ready to help.
Focus on your passion: business
Our process ensures your business gets the coverage it needs. That means you can focus on what's important – running your business.
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