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Tech Insurance Types.

The purpose of insurance is protection.


As a Technology enterprise, you, like other accounts, need to protect your property, whether it be buildings, equipment, inventory, tenant improvements, hardware and software, and data. There is also the need to protect against a loss of income caused by many types of losses. Property Insurance can protect you.


General: Every tech enterprise must consider its legal exposure: that it might be subject to a lawsuit by an aggrieved client or customer or other party for a negligent act. If bodily injury or property damage to others results, General Liability can help protect you. But what about those liability exposures that are specific to your tech enterprise?

Cyber Risk: what if you suffer a data breach? You could be subject to a lawsuit if client data is stolen or compromised. For this exposure, and the related costs associated with this, Cyber Risk coverage protects you.

Professional Liability (Errors & Omissions): if your tech firm provides services, and a client, customer or other party relies upon those services, and subsequently suffers a financial loss as a result, you could be subject to a lawsuit. Software could fail, hardware could fail, coding fails or does not perform properly, etc. In such circumstances, Professional Liability coverage protects you.

Other types of important coverages: if you have employees, you will need to carry Workers Compensation insurance. You may wish to also consider Employment Practices Insurance, which can protect you against lawsuits arising out of your employee management. Examples include suits for wrongful termination, harassment, discrimination, etc.

There are still more exposures the tech enterprise may wish or need to insure, and ANB can help.

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Office: 831-423-4304 | License #: 0C47334
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