Technology company insurance built for software, SaaS and IT services
Technology E&O, cyber liability, D&O, IP and media coverage for the professional-liability and cyber exposures that general business policies exclude. We build programs for tech companies across Washington and Oregon, from seed stage through enterprise.
A-rated carriers · Same-day certificates · Startup to enterprise
Technology companies face exposures generic insurance programs weren't written for: software that fails, systems that get breached, and investors who sue when a launch misses. Since 1992, First Underwriters has built programs for Pacific Northwest technology companies that cover professional-liability, cyber and management risk, and that scale as the company grows. For security frameworks, see the NIST Cybersecurity Framework and the FTC's data-security guidance.
How a single technology exposure becomes a claim
Three illustrative examples of how a tech loss escalates when coverage is missing or poorly structured, and the coverage that responds.
A software bug triggers a multimillion-dollar suit
A SaaS company's inventory software hit a critical bug during the holiday peak, and a major retailer oversold and failed to fulfill thousands of orders. The retailer sued for lost revenue, customer refunds and reputational damage. General liability excludes professional services and software performance, so none of it fell under that policy.
- Legal defense (two years)$680,000
- Experts and forensics$220,000
- Settlement$2,500,000
Illustrative example. Real outcomes depend on the facts and your policy terms.
Build the right program for your company
Tell us how your company operates and we'll show the coverages that typically apply. Every technology company starts with a Tech E&O and general liability core. No contact details needed.
Your operation
Select everything that applies.
Coverage that typically applies
8 coverages — a starting point for a conversation, not a quote.
- Technology E&OSoftware failures, outages and performance claims.
- General LiabilityPremises, bodily injury and property damage.
- Cyber LiabilityBreaches, ransomware and third-party liability.
- Directors & OfficersInvestor suits and management-decision claims.
- Workers' CompensationErgonomic and workplace injuries.
- Employment Practices LiabilityDiscrimination and wrongful-termination claims.
- Business Owners Policy (BOP)Office property, equipment and liability.
- Business InterruptionLost income from outages and covered events.
From first call to certificate
Understand your tech
Your product and business model — SaaS, services or hardware — contract sizes and SLA obligations, the data you hold, your security and compliance picture, funding stage and prior claims, so the program matches your real exposures.
Go to tech specialists
We take you to A-rated carriers among our 50+ partners that specialize in technology risk: markets that understand Tech E&O and cyber, write claims-made forms with prior-acts coverage, and reward a clean claims history and strong security posture.
Build the program
Tech E&O and cyber at adequate limits, general liability and D&O, with IP, media, EPLI, workers' comp, BOP, key person and umbrella limits layered in as the company requires.
Contracts and claims
Same-day certificates for enterprise clients and SOC 2 reviews, review of insurance terms in vendor and VC agreements, prior-acts and tail coverage around M&A, and claims advocacy from first notice.
Every policy a tech company may need
Filter by type or search to see the full range of coverage we place for technology companies.
Technology E&O
Professional liability for software failures, system outages, coding errors, project delays and failure to deliver promised functionality, when clients claim your technology didn't perform as expected.
Media Liability
Content-related claims including defamation, libel, copyright infringement and invasion of privacy arising from your website, marketing, social media and published content.
Intellectual Property
Defense and indemnity for patent, copyright, trademark and trade-secret disputes, both claims against you and claims you bring against infringers.
Cyber Liability
Data-breach and cyber-attack coverage including ransomware, business interruption, notification costs, regulatory fines, forensic investigation and third-party liability for affected customers.
Business Interruption
Lost revenue and continuing expenses when a covered event — fire, cyber attack, natural disaster or cloud-provider outage — disrupts your operations.
Directors & Officers (D&O)
Personal-liability protection for founders, executives and board members against investor lawsuits, regulatory investigations and allegations of mismanagement or breach of fiduciary duty.
Employment Practices Liability
Employee claims for wrongful termination, discrimination, harassment and retaliation, important for fast-growing companies navigating complex employment situations.
Key Person Insurance
Life and disability coverage on founders, lead developers and critical employees whose loss would significantly affect operations, funding or client relationships.
General Liability
Premises liability, bodily injury and property damage for your offices, trade-show appearances, client visits and general operations.
Business Owners Policy (BOP)
Property, general liability and business interruption bundled for office equipment, furniture and physical assets, priced for smaller tech operations.
Workers' Compensation
Employee injuries, including ergonomic issues common in tech such as carpal tunnel and back problems from prolonged sitting.
Commercial Umbrella
Additional liability limits above primary policies for major E&O claims, cyber events and lawsuits that exceed underlying coverage.
Technology companies we cover
Programs from pre-seed startups to established enterprise software companies.
SaaS & cloud software
Subscription platforms, cloud applications and multi-tenant software providers.
Custom software development
Bespoke development shops, dev agencies and contract engineering teams.
IT consulting & services
Technology consultants, systems integrators and professional-services firms.
Managed service providers
MSPs and MSSPs managing client networks, infrastructure and security.
Cybersecurity firms
Security consultants, pen-testers and managed detection and response providers.
Data analytics & AI
Data-science, machine-learning and AI/analytics platform companies.
Mobile app developers
iOS, Android and cross-platform app studios and product teams.
E-commerce platforms
Online marketplaces, storefront platforms and commerce infrastructure.
FinTech & InsurTech
Payments, lending, wealth and insurance-technology companies.
HealthTech & MedTech
Digital health, EHR, telehealth and medical-software companies.
Hardware & IoT
Connected-device makers, IoT platforms and embedded-systems firms.
Startups & scale-ups
Pre-seed through growth-stage companies scaling toward enterprise.
Specialists who understand tech and risk
Technology experience
We understand recurring-revenue and usage-based models, software-development risk and SaaS exposures, and place coverage with tech-focused markets that reward a clean claims history and strong security posture.
Startup-friendly and VC-ready
Programs that grow from seed through Series A, B and beyond, meeting VC and enterprise-client requirements, SOC 2 expectations and vendor-contract specifications, with same-day certificates when a deal is on the line.
Cyber and claims support
Access to established cyber carriers for ransomware, social engineering, regulatory fines and third-party liability, and claims advocacy when a client sues or a breach hits.
Get your technology company insurance quote
Request a review that identifies coverage gaps, contract requirements and the right protection for your stage. No obligation. Prefer email? Write to info@firstunderwriters.com.
Coverage descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder; the coverage builder is a starting point for discussion, not a quote or coverage determination. Scenarios and dollar figures are illustrative examples, not representations about any business. Coverage, limits and eligibility are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting.