Insurance for value-added resellers, built around what you add.
You resell third-party technology and add your own expertise: specification, configuration, integration, advice. When something fails, the first question is whose failure it was: the vendor's product, or your value-add. We build VAR insurance programs around that line.
The line between the vendor's defect and your advice.
A VAR's liability sits exactly where the value is added. If the vendor's hardware fails, that is the manufacturer's product problem. If you specified the wrong solution, configured it badly, or advised the client it would do something it cannot do, that is your problem, and it arrives as a claim about your professional services.
Most VARs also hold stock: inventory in a warehouse or a back room, with real value sitting on shelves. That is a property exposure most services businesses never think about, until the sprinkler goes off.
And as headcount grows, so does the employment side. Wrongful dismissal, harassment allegations, human rights complaints: employment practices claims grow with the team, and they have nothing to do with technology.
Through all of it, your client contracts still ask for the familiar proof: technology E&O and commercial general liability at stated limits, with wording that reflects the services you actually perform.
Coverage mapped to how a VAR operates.
- Technology Errors & Omissions: for your value-add: the advice, specification, configuration, and integration work you perform. Responds when a client alleges those services caused them financial loss. It answers for your services, not for the vendor's product defect, and not for bodily injury or property damage.
- Commercial General Liability: the baseline your contracts ask for: third-party bodily injury and property damage, including work on client premises. Typically excludes electronic data, as always.
- Property: your inventory, your warehouse, your equipment. Policies can cover the stock on the shelves and the space it sits in.
- Employment Practices Liability: for the growing team. Responds to employment-related claims such as wrongful dismissal and harassment allegations. Worth adding once headcount makes it a real exposure.
- Cyber Liability: for the data you hold and the systems you access. Policies can include breach response, notification, third-party liability for compromised data, and cyber extortion.
- Crime / Social Engineering: fraudulent funds transfer and impersonation. VARs move money and equipment on instructions; spoofed instructions move both. Subject to the policy's wording, limits, and exclusions.
The right program is built from your contracts and your operations. Coverage is defined by the actual policy wording, not by this page.
The requirement arrives with the purchase order.
Your customers' procurement asks for E&O and CGL before the first shipment. We read the requirement with you, compare it against what you carry today, and close the gap.
Two ways to get there.
Smaller VARs with straightforward needs can start online in minutes, and every submission is reviewed by a human specialist. Larger operations, significant inventory values, or unusual contract requirements start with a conversation.
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 · SaaS & Software · Cybersecurity Firms & MSSPs · Cloud & Hosting · Systems Integrators
Or start from the full picture: who we insure and the coverages we place.