Your technology business is complex. Your insurance should understand it.
We help established Ontario IT and technology companies understand their insurance requirements, identify the coverage considerations created by the work they actually do, and navigate the client contracts that demand proof of coverage.
Answer a few questions. Where the online path fits, you'll see a quote right away, and every submission comes with a human expert. If your needs go beyond the online path, we take it from there.
Got 'Insurance Requirements' to meet?
Facing insurance coverage requirements from clients, investors, landlords or a funding agency? No need to worry. At Tech Insurance Ontario, we specialize in helping tech businesses like yours meet these requirements consistently.
If you're wondering whether we can assist you in obtaining a policy that fulfills those coverage requirements, the answer is almost certainly a resounding YES!
Insurance for the way your technology business actually operates.
Technology businesses do not all face the same risks. An MSP with remote access to fifty client networks, a SaaS company signing enterprise contracts, and a cybersecurity firm hired to protect customer environments are not the same risk. Your insurance should reflect what you actually do, who you serve, and the obligations you take on.
MSPs
Managed services, remote access into client environments, subcontractors on engagements, and cyber and technology E&O exposure on every contract.
SaaS & Software
Software performance and professional liability, contractual obligations to enterprise customers, privacy and data exposure, and procurement checklists that keep getting longer.
Cybersecurity & MSSPs
You are hired to protect customer environments. Your professional liability, your cyber exposure, and your client contracts all reflect that responsibility.
Cloud & Hosting
Infrastructure responsibilities, availability commitments, customer data in your care, and service obligations written into contracts.
Systems Integrators & VARs
Implementation work, technology deployment, hardware and software responsibilities, subcontractors, and long hours inside client environments.
Your business changes. Has your insurance kept up?
The policy you bought when you were a five-person IT shop was written around the business you were then. The question is not whether you have insurance. It is whether your insurance still describes the company you have become.
- You started offering managed services.
- You added cybersecurity services.
- You moved into SaaS or software development.
- Your clients now require higher limits or specific coverage.
- You began using subcontractors.
- You are signing larger enterprise contracts.
- You have taken on responsibility for systems, data, or infrastructure.
If any of these sound familiar, your coverage deserves a second look before a client contract or a claim tests it.
When the client sends you an insurance requirement
A client asking for $2M E&O and $2M cyber sounds straightforward. The real question is whether your existing policies, limits, wording, and business activities actually line up with what the contract requires.
Vendor questionnaires, RFPs, and procurement checklists turn small wording differences into deal problems. We are insurance advisors, not lawyers, but we can help you understand the insurance side of the page in front of you and identify where your existing coverage may need a second look.
Coverage, evaluated against what your company actually does.
We do not start from a standard package. Each coverage is evaluated in the context of your services, your clients, your contracts, and how you deliver your work.
Technology Errors & Omissions
The core of most technology insurance programs. Responds when a client alleges your technology work, advice, or services caused them financial loss.
Cyber Liability
Addresses privacy breaches and data incidents, and the cost of responding to them. Distinct from liability for your professional work. Learn more about cyber insurance.
Commercial General Liability
The baseline most contracts ask for. Covers third-party bodily injury and property damage, including work performed on client premises.
Management Liability
Protects the people making decisions as the company grows, takes on investment, or answers to a board.
Crime & Social Engineering
Responds to fraud-driven losses, including funds-transfer fraud and social engineering schemes aimed at your team.
Business Interruption & Property
Covers the equipment your work depends on, and the income that stops when operations are disrupted.
Cyber insurance is not just for technology companies.
If your business holds customer data, takes payments, or depends on its systems to keep operating, it carries cyber exposure. Cyber insurance is our daily work, and Ontario businesses across many sectors work with us on it.
Before we talk about insurance, we want to understand your business.
The fastest route to the wrong policy is to start with the policy. So we start with questions:
- What services you provide, and who your customers are
- Whether you access client systems or environments
- Whether you host or store customer data
- Whether you develop software or provide cybersecurity services
- Whether you use subcontractors or resell technology
- Where your customers are located
- What your contracts require, and what limits your clients demand
- How much responsibility you assume for technology outcomes
If your current broker never asked these questions, that tells you something.
How working with us works
Tell us about your business
A conversation about what you do, who you serve, and what prompted you to reach out. Not a fifty-field form.
We review your requirements
Your contracts, client obligations, and existing coverage, mapped against the risks your work actually creates.
You get a clear recommendation
Coverage that reflects your business, from insurers who understand technology companies. We stay with you as the business changes.
What technology companies say about working with us
Thank you for making the process of securing comprehensive insurance for my IT management company incredibly easy. You truly took the time necessary to understand my business and its unique insurance requirements, then ensured I was matched with the right insurer and policy to meet these requirements. Eddie is very easy to work with, and walked me through the process every step of the way. If you have a tech business, I would highly recommend working with Eddie!James S. - CEO JMS IT
It is great to work with an insurance advisor who understands both the challenges faced by IT businesses and the specialized Technology Insurance products.Nasib A - CEO, Quantigo AI
Unlike previous brokers I dealt with, Eddie - from Tech Insurance Ontario - walked me through every requirement, and every step of the process. He actually made applying for insurance enjoyable (which is odd, I know) and provided me tremendous peace of mind.Michael S. - CEO, Ferroque Systems
Tech Insurance Ontario is a specialized division of Marhen Insurance Brokers, an independent brokerage and a proud member of the Insurance Brokers Association of Ontario (IBAO).
Thinking on technology insurance risk
We write about the insurance questions technology companies actually face: contract requirements, vendor questionnaires, and the coverage gaps that appear as companies grow. You will find the writing on LinkedIn and in IT Risk Atlas, our Substack publication.
Let's talk about what your business actually needs.
A short conversation about your services, your clients, and your contracts. You will leave understanding your insurance requirements better than when you arrived, whether or not you end up buying anything from us.
Answer a few questions. Where the online path fits, you'll see a quote right away, and every submission comes with a human expert. If your needs go beyond the online path, we take it from there.