Professional services

Tech startups & SaaS

Software and SaaS companies building and selling technology products.

Why it needs cover

The exposure

Product/service failures and data breaches are the core exposures; investors and enterprise customers often require tech E&O, cyber, and D&O.

What we place

Coverages this class usually needs

Technology E&OOften (contract)

Product/service failure claimsCore SaaS exposure

CyberOften (contract)

Data breach and security failureCustomer data at scale

Directors & officersOften (investor)

Management-decision claimsInvestor/board requirement

General liabilityOften (lease)

Premises/third-partyOffice and events

EPLIOptional

Employment claimsGrowing headcount

What it costs

National benchmark premiums

Rated on: Annual revenue and headcount

General liability

technology GL runs in the $30s/mo range

Cyber

small businesses average about $129/mo, but tech firms trend higher

Total annual (typical)

cyber for small businesses commonly $1,200-$7,500/yr, with data-driven pricing on security controls; startup programs (tech E&O + cyber + D&O) scale with funding stage

Pricing figures are national typical or median ranges for small operators at commonly quoted limits, drawn from the published sources named on each page. They are budgeting benchmarks, not quotes. Your premium depends on state, payroll, revenue, limits, deductible, and loss history.

Sources: Insureon (Technology/Cyber cost); SeedPod Cyber; Embroker.

When it goes E&S

Where this risk gets hard to place

Pre-revenue, AI, and high-growth SaaS with limited controls frequently use specialty cyber/tech markets; D&O for VC-backed firms is often E&S.

Contact

Talk to us about Tech startups & SaaS.

Send the basics once. Our team and our AI agents route your risk to carriers with genuine appetite, package the submission, and handle the carrier follow-up.