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

Most SaaS companies place a combined Tech E&O + Cyber form with a single carrier. Separating them is occasionally useful at scale, but rarely at Series A/B.

How are SaaS premiums priced?

Primarily on revenue, customer concentration, and the type of data you process. Security controls and prior loss history move pricing materially.

Industry Deep-Dive · 9 min read

Insurance for SaaS Companies: Coverage Stack and Underwriting

SaaS companies have one of the most predictable insurance footprints — and one of the most contract-driven. Here's the full coverage stack.

Core stack

General Liability + property if you have an office. Combined Tech E&O + Cyber form (most common SaaS placement). D&O for board/investor protection. EPLI as headcount scales across multiple states. Workers' Comp where required.

What underwriters care about

Customer concentration + average contract value. Whether you process payment data, PHI, or other regulated data. Hosting / sub-processor list (AWS, GCP, Azure, etc.). Security controls — see the cyber underwriting checklist.