The coverages your contracts name, in one coordinated program.
If a client contract named a coverage and sent you looking, you will find it here. Every coverage below is one we place for Ontario technology companies, described in business terms and evaluated against the work you actually do.
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.
Every coverage below, in business terms.
Contracts name coverages; this page translates them. If a requirement names something you do not see here, ask us: the list below covers what technology companies are most often asked for, and we place beyond it.
- Technology Errors & Omissions (E&O): 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.
- Commercial General Liability: The baseline most contracts ask for. Covers third-party bodily injury and property damage, including work performed on client premises.
- Professional Liability: Covers claims that your professional services or advice fell short. Technology E&O is the technology-specific form of this coverage; many contracts name one, some name both.
- Directors & Officers (D&O) / Management Liability: Protects the people making decisions as the company grows, takes on investment, or answers to a board. Often the first coverage an investor asks about.
- Crime / Social Engineering: Responds to fraud-driven losses, including funds-transfer fraud and social engineering schemes aimed at your team.
- Business Interruption: Replaces income lost while your operations are down after a covered event, so a disruption does not become a cash crisis.
- Equipment / Property: Covers the hardware and equipment your work depends on: servers, devices, and the tools your team cannot operate without.
- Employment Practices Liability: Responds to employment-related claims such as wrongful dismissal or harassment allegations. The more people you employ, the more this matters.
- Umbrella / Excess Liability: Adds limits above your primary policies. When a contract demands higher limits than any single policy provides, this is how you meet it.
Holding a contract with requirements on it?
Bring us the page. We will map what it asks for against what you have, and tell you plainly what it takes to meet it.
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.