Question 1

Do I need separate Tech E&O and Cyber policies?

Accepted Answer

Often yes for technology firms with significant service or platform exposure. A combined form may sublimit exactly the exposure you most need covered. We compare combined and standalone structures against your contracts before recommending.

Question 2

What about contractual liability for customer losses?

Accepted Answer

Carriers vary widely on whether contractual liability is covered. We push for explicit contractual liability language so your indemnification obligations are insurable.

Question 3

How do underwriters evaluate technology firms differently?

Accepted Answer

They look at SOC 2 / ISO 27001 status, penetration test cadence, customer concentration, the specific services you sell, and how your contracts allocate liability.

Cyber Insurance for Technology Firms.