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Software defects, errors, or failures to perform can cause client financial harm.
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Technology & Internet Insurance
One service incident can produce customer demands while your own team is still restoring access or data. Your technology protection should distinguish those costs and the services you actually provide, rather than assume a combined cyber/E&O title accepts every contract promise.
The Southern Agency can help you align your insurance with the specific digital and infrastructure footprint of your technology firm.
Operations within this group
You may build software, host systems, manage networks, or provide online information, with different responsibilities for each service. An error or security incident can interrupt a client's work and lead to demands for lost revenue or data recovery.
The Southern Agency can review the services and access you provide to help you select insurance. We can discuss technology professional liability and cyber terms alongside your office and equipment needs, with contracts and shared systems shaping the comparison.
Find your business
Choose your business type to discuss insurance with The Southern Agency. If it isn’t listed, call an agent to ask whether we can place it.
- Academic Research PortalResearch portal insurance considers scholarly rights, institutional access, indexing, and subscriber data.
- Cloud Hosting CompanyInsurance for cloud hosts providing compute, storage, and networking to customer workloads.
- Computer Facility Management ServiceIT facility management insurance considers ongoing system operations, privileged access, and on-site technicians.
- Computer Related ServiceComputer service insurance considers repair, setup, recovery work, and visits to client homes or offices.
- Computer Systems Design ServiceInsurance for systems designers planning architectures and integrating client technology.
- Content Delivery NetworkInsurance for CDN operators caching and routing content through distributed edge systems.
- Custom Computer Programming ServiceInsurance for custom developers building client applications, APIs, and integrations.
- Cybersecurity Data CenterInsurance for security-focused data centers and operators providing monitoring or response services.
- Data CenterInsurance for data center operators protecting critical power, cooling, and computing infrastructure.
- Digital LibraryDigital library insurance considers lending rights, patron privacy, access controls, and platform service.
- Digital News AggregatorNews aggregator insurance considers snippets, summaries, user submissions, reader data, and advertising tools.
- Genealogy WebsiteGenealogy website insurance considers family records, member uploads, sensitive data, and matching services.
- Historical Document PreservationDocument preservation insurance considers entrusted originals, conservation treatments, and digital master files.
- IT Infrastructure ConsultantIT consulting insurance considers architecture advice, migrations, client access, and project commitments.
- Internet DirectoryInternet directory insurance considers business listings, reviews, paid placements, and account data.
- Internet Search EngineSearch engine insurance considers indexed content, ranking, ad systems, query privacy, and network dependencies.
- Managed IT ServiceInsurance for managed IT providers handling client networks, remote access, monitoring, and recovery.
- Online Backup ServiceInsurance questions for online backup providers when stored data is exposed or a customer cannot restore it.
- Online EncyclopediaOnline encyclopedia insurance considers reference publishing, contributed media, moderation, and organizational governance.
- Public ArchivePublic archive insurance considers retained originals, public access, restricted records, and digital preservation.
- Server Colocation FacilityInsurance for colocation operators providing rack space, power, cooling, and access for customer hardware.
- Software PublisherInsurance for software publishers developing, licensing, and supporting applications.
- Specialized Online ForumOnline forum insurance considers member posts, moderation, niche advice, private messages, and subscriptions.
- Virtual Private Server ProviderInsurance for VPS providers operating virtual machines on shared physical hosts.
- Web Hosting ProviderInsurance for web hosts maintaining customer websites, email, and databases.
Risks across this group
Cyber and data breaches
Holding large volumes of data creates substantial breach exposure.
Service interruptions
Outages can disrupt clients and lead to claims and reputational harm.
Intellectual-property disputes
Software and content can lead to infringement allegations.
Investor and governance risk
Funded companies face management-liability exposure from investors and boards.
Contractual liability
Client agreements commonly impose indemnity and coverage requirements.
Coverage worth discussing
Policies to ask about. Which ones fit depends on your operations, your contracts, and the carrier’s forms.
- Professional Liability InsuranceMay help address technology-related errors and service failures, often included with cyber coverage in a tech E&O policy.
- Cyber Liability InsuranceMay address breach response and liability for the large volumes of data your firm may hold.
- Directors & Officers InsuranceMay help funded companies protect leadership against claims related to investor expectations and governance.
- General Liability InsuranceMay respond to third-party injury or property damage claims arising at your offices or client work sites.
- Business Owners PolicyMay bundle property and liability coverages to simplify protection for smaller technology offices.
Situations to think through
These hypothetical examples are not agency claim results. Whether a loss is covered depends on the facts, policy terms, and applicable exclusions.
Hypothetical: Software failure
A software defect is alleged to have caused a client financial loss. Professional liability may help respond to the claim, subject to policy terms.
Hypothetical: Data breach
A breach exposes customer data. Cyber liability may help with response, notification, and resulting liability, subject to terms.
Hypothetical: Investor claim
Investors allege a governance failure. Directors and officers coverage may help with defense and any covered settlement, subject to terms.
Before you talk to an agent
Questions to raise
- Compare technology E&O, privacy/security liability, media liability, and first-party cyber loss as separate insuring agreements, even when sold together. Shared limits, retentions, and exclusions can affect how they work together.
- For outages, distinguish the company's lost income from a customer's liability claim and from service credits, refunds, or uptime guarantees. Review triggers, waiting periods, and dependent-provider terms; not every cloud outage or SLA payment is insured.
- Identify hosted, indexed, archived, and user-submitted content and the rights to distribute it. Do not assume ordinary tech E&O covers all copyright, trademark, patent, or other IP allegations.
- For claims-made coverage, preserve the intended prior-acts position and review reporting deadlines before carrier, ownership, or funding changes. Compare limits with aggregate client exposure and data-response costs, not revenue alone.
- List owned servers, colocation property, power, and cooling systems, and any physical archives separately from digital services. Property, breakdown, and data-restoration questions are not interchangeable.
Contract terms to check
- Bring enterprise contracts, service-level agreements, data-processing terms, colocation, or cloud agreements, and investor insurance schedules that apply. Compare insured services, liability caps, indemnities, notification duties, and required endorsements before signing. Additional-insured requests need policy-specific review and are not automatically available under E&O or cyber.
What the agent conversation looks like
Start with the work you do and the questions your current policies leave unanswered. Carrier options depend on your location, risk, and underwriting. Explore our approach.
- ListenReview your operations, current coverage, and past claims.
- AssessIdentify potential hazards and discuss ways to reduce risk.
- BuildDiscuss policy and carrier options, premium costs, and audits.
- SupportReview changes and help you plan ahead as your needs develop.
Questions owners ask
What is technology E&O?
It may address covered allegations of errors or negligent acts in insured technology services or products. Cyber, media, and first-party loss can be offered alongside it, but the tech E&O label does not establish that all those parts were purchased.
What should a funded company review about D&O?
Compare investor and board requests with the insured entity, people, claims, and exclusions. Raising capital is not the only governance exposure, and not every startup has the same requirements.
Does a technology business have physical exposures?
Yes, depending on operations: offices, server facilities, power/cooling equipment, collections and client-site work can need property and physical-liability review alongside E&O and cyber.
How should client limits and endorsements be reviewed?
Compare the contract schedule with actual coverage parts and policy terms. Contract minimums and additional-insured requests do not establish sufficient limits or change the policy.
Does cyber cover every service outage?
No. Review the cause, insured systems, dependent providers, waiting period, and loss type. Own lost income, client damages, service credits, and ordinary downtime can receive different treatment.
Tell us what your technology & internet business does
Bring your questions, current policies, and relevant contracts. An agent can review coverage terms, exclusions, and the information carriers ask for, then explain the options available to you.