Software, AI, IT services, data, and hardware
Insurance that reads your contracts before your customers do.
Insurance and risk management for technology companies, built around what you develop, what you support, and what your contracts say you're responsible for.
Free review. Not a quote request, and you don't have to move anything.
What a coverage read looks like
Your customer contract on the left, your policy on the right.
Customer MSA · Exhibit C
- C.1 Vendor shall maintain commercial general liability of $1,000,000 per occurrence.
- C.2 Technology errors and omissions of not less than $5,000,000, separate from cyber.
- C.3 Customer named as additional insured on a primary basis.
Your policy · Declarations
- General liability: $1,000,000 each occurrence, $2,000,000 aggregate.
- Tech E&O and cyber: $2,000,000 combined aggregate limit.
- Additional insured: blanket, where required by written contract.
Findings summary
- E&O vs. your MSA$2M shared with cyber. MSA asks for $5M.GAP
- Retro dateFull prior acts, continuous.FITS
- Social engineeringSublimit below a typical vendor payment.THIN
A specialty practice of one of the largest independent agencies in the country.
- 3rd
- largest privately held independent agency in the U.S.
- 83%
- of our business is property and casualty
- 1,400+
- team members
- 60+
- locations in the U.S. and U.K.
- 72,000+
- clients
Market access
Admitted carriers, E&S markets, and specialty technology programs
We place technology accounts with the major admitted carriers you already know, and with E&S markets when a piece of the account calls for one.
What we bring to the underwriter
- Your customer contracts, read against the policy wording
- Every service you sell, matched to the definition of covered services
- Security controls presented the way cyber underwriters score them
- Limits sized for the contracts you're bidding on, not only the ones you have
Technology Insurance Practice
Independent means we work for you, not for one carrier's appetite. At this size, underwriters take the call.
Major admitted carriers
The names you already know. Admitted paper where you qualify, not surplus lines by default.
E&S markets
When a piece of the account calls for one: higher limits, a newer exposure, or a risk a standard market won't write on its own.
Specialty technology programs
Dedicated technology programs that can put GL, E&O, cyber, and umbrella with one carrier, built for how software and IT services companies actually run.
The relationships with technology underwriters are already in place, so your submission goes to people who know what a software or IT services account should look like.
International exposure is placed through IOA's international team, inside the same program.
Where programs go wrong
Five things most agents miss on a technology account
A lot of tech companies get insured like any other office: a package policy, a cyber quote, and an E&O form picked mostly on price.
The GL and E&O gap
When something you built causes physical damage, each policy can point at the other.
Your contract vs. your policy
Most E&O forms exclude liability you took on by contract that you wouldn't otherwise owe.
One limit for E&O and cyber
One bad quarter can leave nothing for the next claim.
Social engineering
Often sublimited well below the main limit.
Remote employees in unlisted states
Whether an injury is covered can turn on item 3.C of your comp policy.
Item 3, in one picture
One limit, three claims
When E&O and cyber share a single $2 million aggregate, one bad quarter can leave nothing for the next claim.
- Your own ransomware recovery
- Customer's lost revenue claim
- Defense costs on both
Almost none of this means buying more insurance.
Most of it is making the policy wording match the work you actually do.
Read all five →Who we work with
Coverage built around what you deliver
An MSP, a SaaS platform, and an electronics distributor all get filed under technology. Their exposures don't look alike.
Software and SaaS
Developers, SaaS platforms, and financial and healthcare applications.
First look
SLA commitments, the data you host, and what your terms actually cap.
AI companies
Model developers, AI-native products, agents, and AI consultancies.
First look
What your model outputs can cost a customer, and what your contracts promise.
IT and managed services
MSPs and MSSPs, IT consultants, cybersecurity vendors, and tech staffing.
First look
Privileged access to client systems, RMM tools, and subcontracted work.
Data centers and infrastructure
Data centers, colocation, hosting, and infrastructure service providers.
First look
Equipment breakdown, utility outages, and customer equipment in your care.
Hardware and electronics
Manufacturers, distributors, and wholesalers of tech products and components.
First look
Products liability, foreign-sourced product, recall, and configuration work.
Technology risk and coverage review
A straight read on your program, before anything is sold
It isn't a quote request, and it doesn't require moving your business.
Book a coverage review- 1
Map the operation
A 30-minute call on what you sell and where your data and people sit.
- 2
Read the paper
Declarations, full E&O and cyber forms, and your toughest customer agreement.
- 3
Benchmark it
What a sound program looks like for your size and service mix.
- 4
Walk through it
A written findings summary, reviewed together. You decide what's next.
Case snapshot
The services grew. The insurance didn't.
A managed services provider in metro Atlanta, about 30 employees, grown from break-fix support into managed and security services. The insurance still described the old company.
- GL, E&O, cyber, and umbrella moved to one admitted carrier
- GL composite rated on revenue, so it follows the whole operation
- Umbrella raised from $1 million to $5 million
- Claims advocate assigned to the open comp claims
Annual premium, all lines including comp
5x
the umbrella, sized for the contracts they were lining up
2 → 1
surplus lines carriers for E&O and cyber, consolidated onto one admitted carrier
Find out what your program is missing
Book a 30-minute call. You'll get a one-page findings summary marking each item fits, thin, or gap, with what it takes to fix.
One useful read a month
Contracts, coverage, and risk for technology company owners and CFOs. No fluff.