Technology Errors & Omissions

Technology errors and omissions insurance (Tech E&O) is a specialized type of professional liability insurance designed to protect technology companies and professionals from claims arising due to mistakes, negligence, or failures in the services they provide. This coverage typically includes defense costs and settlements related to claims of inadequate work, software bugs, data breaches, and […]

Cyber

This covers claims of financial loss due to a cyber attack or privacy breach. It should include both first party (breach response, loss of income, systems restoration, ransomware, data restoration) and third party (privacy liability, network security liability, regulatory liability) coverages.

Property including Business Interruption

Property covers your physical assets including buildings, contents, electronics, inventory, machinery and equipment when damaged by perils such as fire, flood, windstorm, or earthquake.  It can cover the cost to repair or replace the damaged property for Replacement Cost or Actual Cash Value. Actual Cash Value (ACV) covers the cost to repair, rebuild or replace […]

Employment Practices Liability

Employment Practices Liability (EPL) insurance protects organizations against allegations and lawsuits by employees who claim their legal rights have been violated. EPL exposures have expanded from discrimination or harassment brought by employees to include a wide range of evolving exposures including accessibility, gender issues and disputes over performance reviews and promotion. Policies can be broadened […]

Directors’ & Officers’ Liability

Directors and officers (D&O) liability insurance is designed to protect individuals who are personally sued for wrongdoing while serving as directors or officers of an organization. It provides coverage for defense costs and any resulting settlements the directors, officers and the organization are required to pay. Wrongful acts and allegations covered under D&O policies include: […]

Crime

Crime coverage helps protect against criminal acts committed by employees and certain types of fraud committed by third parties such as credit card forgery or alteration, computer fraud and theft, stealing and embezzlement, destruction of property, and social engineering.