Technology Services –

IT Services Packages

 

 

No matter how well you plan, how experienced you are sometimes things just go sideways. You or your employees don’t even have to be at fault, you and they just might be in the wrong place at the wrong time and you could be looking at mounting legal bills to defend yourself.

These package coverages are designed to respond to defend your position and payout claims so you and your business will be protected from these potentially devastating huge costs.

Tech E&O policy covers losses resulting from technology services, technology products, intellectual property infringement, media content, and network security breaches.

Our package also offers optional coverages such as General Liability, Office Contents, Portable Electronics /Laptops, Business Interruption etc.

Available for a broad range of Technology professionals and businesses with revenues up to $2,000,000.

Eligible Operations / Business eligible for our “Quote and Buy Now” On Line Tech Services Policies:

  • IT Project Management
  • General IT Consulting (not security specific)
  • Packaged Software or Hardware Installation
  • Enterprise Resource Planning Installation
  • Web Development or Web Graphic Design or Digital Marketing
  • IT Security Consulting Prepackaged Software
  • Computer Hardware Sales (including consulting)
  • Subscription Based Business Software as a Service (SaaS)
  • Hardware Infrastructure as a Service
  • IT Network Configuration or Communication Configuration
  • Custom Software, Programming or Application Development for Others
  • IT Staffing Services
  • Computer Maintenance or Repair
  • Managed or Third Party IT Services
  • Video Game Developers

None of the above: If your business doesn’t fall into the classes above, if you need higher coverage limits or just have questions NO worries , please contact us directly and we can have one of our professionals review your requirements and work out a custom solution for you

Error and Omission / Professional Liability Insurance 

This coverage protects professionals & their businesses financially if they get sued because of negligence, errors, mistakes, inadequate work and other reasons.

Available Limits

  • $1,000,000
  • $2,000,000

Premium starting from $470

Intellectual Property Coverage

This coverage covers companies for the legal costs associated with pursuing infringement or theft of Intellectual Property. This can consist of intangible property such as documented, written or recorded knowledge, ideas, discoveries, product names, and problem-solving techniques. Ownership is usually established by a copyright, patent, or trademark. It also covers legal defense costs for policyholders accused of Intellectual Property infringement or theft.

  • Included within and up to the E&O Limit
  • Sub-limit of $250,000 applies only to Video Game Developer Class

 Network Security and Privacy Breach Liability Coverage

This coverage protects businesses financially if they get sued because of security incident in which sensitive, protected or confidential data is intentionally or unintentionally released, lost or exposed. This data may include personal identity information, such as social security numbers, credit card or bank details of clients.

Available Limits

  • $25,000 (Included)
  • $500,000
  • $1,000,000
  • $2,000,000

Included with Privacy Breach Liability:

  • Privacy Breach Expense – $50,000
  • Information Asset Loss – $50,000

 Commercial General Liability Coverage– Optional

Commercial General Liability insurance protects you and your business against claims for bodily or personal injuries, property damage, advertising liability to third parties arising from your operations or products or occurring on your business premises. I.e. a client slips and falls in your office, you cause   damage at a client’s office by knocking over computer tower or spilling your superhot coffee on a client. 

 Available Limits

  • $1,000,000 to $5,000,000.

 Non-Owned Auto Coverage – Optional

This is coverage for use of non- company owned vehicles ie. Your employee is out driving on business to a client’s place in their own car when they get in an accident and your company is named on a lawsuit for third party damages, due to them working for you at that time.

Available Limits

  • $1,000,000 (Included with CGL)
  • $2,000,000

$1M Non Owned Automobile is included with your CGL policy. You can increase this limit to $2,000,000. for $50/year, if your Commercial General Liability policy is also $2M or greater.

Office Contents Coverage – coverage for all the property at your office: desks, chairs, computers, cabinets, tenant improvements etc.

  • Available Limits: $25,000, $50,000, $75,000, $100,000

 Portable Equipment FloaterOptional coverage for your property while it is away from your premises ie. Your laptop is stolen while at a client’s office.

  • All-risk coverage for portable/mobile items, such as electronics on the actual cash value basis.
  • $5,000 is included with your Contents Coverage
  • Higher limits up to $50,000 are available if you wish to upgrade

 

If you have any questions, contact us and our professional advisors will be pleased to  provide you with the information you need to make an informed decision.

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