Business model guide
Technology and software companies: insurance research starting point
A research path for software, SaaS, IT, and technology firms where contracts, professional performance, data, uptime, and security controls shape the risk conversation.
It maps questions and documents that may matter. It does not determine eligibility, state compliance, a policy limit, or a premium.
Where the exposure usually appears
Client claims about errors, omissions, implementation, advice, or failure to meet a service obligation.
Security incidents, ransomware, privacy events, vendor dependencies, and business interruption.
Contractual requirements for cyber insurance, professional liability, limits, and incident response.
Documents to gather before a quote
Coverage paths to discuss
These are conversation paths, not a recommendation. Start with the exposure and then confirm how existing policies, exclusions, endorsements, limits, and contractual requirements interact.
- Technology errors and omissions / professional liability
- Cyber liability and incident response
- General liability for non-professional third-party exposures
- Business income or dependent business interruption questions
- Workers' compensation when applicable
Questions that improve the conversation
When to review again
Revisit the map after a new location, product, vehicle, employee group, contract, vendor, data system, claim, or material change in revenue or operations. A renewal date is useful, but it should not be the only review trigger.
Official starting points
Continue the research
Use the cost-factor estimator to organize relative preparation pressure points, then compare the actual policy forms, endorsements, exclusions, and service offered by licensed professionals.