Operations this guide may include
- Software, SaaS, and application development
- IT consulting and systems integration
- Managed-service and cloud-service providers
- Web, data, cybersecurity, and technical-support firms
Questions that shape the conversation
Insurance markets evaluate the complete operation. These are examples of details that can materially affect the available path.
- What products and services are provided and to which industries?
- What systems, data, credentials, or client environments can the company access?
- What contractual warranties, indemnities, and service commitments apply?
- How are security, backups, incident response, and vendor dependencies managed?
Coverage topics to discuss
Technology errors and omissions
Claims alleging failures in covered technology products or professional services.
Cyber liability
Privacy, security, ransomware, incident-response, and systems-interruption scenarios.
General liability
Premises, advertising, and operational exposures outside professional services.
Business property and income
Equipment, tenant improvements, and interruption considerations for eligible events.
Information worth preparing
- Product and service descriptions with revenue by activity
- Client industries, largest contracts, and contract requirements
- Data access, hosting, security, backup, and incident-response details
- Employee count, subcontractors, locations, and loss history
This guide provides general educational information, not legal, tax, or insurance advice. Coverage availability, eligibility, limits, exclusions, and pricing vary by applicant, insurer, policy, and state.