Insurance for SaaS companies, built around uptime and trust.
Your customers run their businesses on your platform. When it goes down, exposes their data, or fails to perform, the cost lands on them first and comes back to you second. We build SaaS insurance programs around that responsibility.
One platform, many customers, shared consequences.
Multi-tenant architecture is efficient and concentrated. One bug, one breach, one outage affects every customer at once, and each of them has a contract describing what you promised.
Those contracts carry service level commitments, and they price the miss: service credits, termination rights, and liability for the customer's losses when the platform fails to perform. A bug that costs one customer a day of revenue becomes a claim about your software, not just a support ticket.
You also hold customer data in bulk, which makes a breach a many-customer event, with notification obligations everywhere your customers sit.
Then there is intellectual property. SaaS products are assembled from components, libraries, and code with many authors, including open source. A claim that your product infringes someone's IP is a claim about the product itself.
And once there is a board, outside capital, or both, the company's decisions get a second audience: investors and regulators. That is a different kind of claim, and it needs its own coverage.
Coverage mapped to how a SaaS company operates.
- Technology Errors & Omissions: the core of the program. Responds when a customer alleges that your software or services failed to perform and caused them financial loss. Financial loss from technology products and services; not bodily injury or property damage.
- Cyber Liability: for the data side. Policies can include first-party breach response, forensics, and notification; third-party liability when customer data in your care is compromised; income lost while the platform is down because of an attack; and cyber extortion.
- Intellectual Property: technology E&O policies can include defence against IP infringement claims, typically as a defined part of the wording rather than an automatic feature. Because SaaS products have many authors, this is a line we read carefully instead of assuming.
- Management Liability (D&O): for the boardroom. Responds to claims about management decisions, including claims from investors and attention from regulators, once the company has outside capital or a formal board.
- Umbrella / Excess Liability: enterprise contracts demand higher limits than a startup policy was written for. Excess layers add limits above the primary policies to meet them.
The right program is built from your contracts and your operations. Coverage is defined by the actual policy wording, not by this page.
Enterprise procurement sets the terms.
The larger the customer, the longer the vendor questionnaire. Enterprise procurement asks for technology E&O and cyber at limits that would have sounded absurd when you were ten people, plus D&O once you are funded, plus wording confirmations a generalist broker may not know how to answer. These requirements are not negotiable if you want the contract.
We read the requirement with you, compare it against what you carry today, and close the gap before the deal stalls on it.
Start with a conversation.
SaaS programs turn on the details: what the platform does, what the contracts promise, where the data sits, who funded the company. Those details do not fit a standard online application, so this page does not offer one. A short conversation gets the program right.
Working in more than one of these areas?
Many technology companies do. Each segment page describes the exposure from that side of the business:
MSPs · Cybersecurity Firms & MSSPs · Cloud & Hosting · Systems Integrators · VARs
Or start from the full picture: who we insure and the coverages we place.