Technology insurance should reflect what your software or IT services do and how clients depend on them. Technology errors and omissions and cyber insurance address related but different loss scenarios.
A.M. Fredericks UnderwritingABEX o/b Affiliated Broker Exchange
Allianz Global RisksAmbri AssuranceApril Canada Inc.April MarineArthur J. Gallagher & Co
AVRO Insurance ManagersBeazley Canada LimitedBerkley Insurance CompanyBlueCross BlueShield
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Forward InsuranceGlobal Aerospace Underwriting
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HDI Global Specialty SE
IA Excellence Life Insurance
INGLE International
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Optiom
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Premier Canada AssurancePremier MarinePremium Marine
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SignalSignature Risks
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TravelersTrinity Underwriting
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From Insurance Genie
Explore recent policy purchases shared through our participating insurance professionals.
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Insurance Genie is an insurance request platform, not an insurer or insurance brokerage. Requests may be connected with participating licensed partners. Availability depends on your location, needs and partner eligibility. A request is not a quote or confirmation of coverage.
Use these topics to frame a discussion with the licensed professional handling your request. They are questions to review, not a promise that every item is included in a policy.
Describe the full activity, including work away from the main premises and any secondary services. An incomplete description can make two proposals look comparable when they are based on different information.
Ask for the named insured, business description, covered locations, policy limits, deductibles and key exclusions. Check how defence costs, property valuation and any required endorsements are treated. A policy title alone does not tell you what an individual claim would receive.
If a landlord, lender, marketplace or customer has supplied insurance conditions, provide the actual document. Ask the licensed professional to identify requirements the proposed policy does and does not satisfy. A certificate is evidence of stated coverage; it should not be treated as a rewrite of the policy.
The price depends on the business activity, scale, location, claims history and selected protections. Request a review using your own facts instead of treating a generic industry range as a quote.
Insurance Genie connects requests with participating licensed partners. Products, territories and eligibility vary. Confirm who is handling your request and when any offered coverage would take effect.
Your questions, answered
Information technology insurance should identify the service, the systems and how a customer could be affected by a failure.
IT consultant insurance, IT consultancy insurance and information technology consultant insurance should describe advice, implementation, administration and access to client systems. Professional services and technology insurance needs the real services and contracts.
Insurance for software providers and software developer insurance should explain the product, intended users, revenue territories and dependencies. Ask how technology errors and omissions would address the declared services.
IT company insurance needs a distinction between professional liability and cyber response. Describe data, security controls, access privileges, outsourced hosting and contractual obligations; one coverage label does not establish both.
No. An insurer issuing a policy is different from a technology business requesting coverage. This page explains insurance for technology companies; Insurance Genie connects enquiries with participating licensed providers and does not issue policies.
Send a service description, client contracts, revenue by territory, data exposure and security information. Ask about insured services, exclusions, retroactive dates where relevant, reporting conditions and interactions between cyber and professional liability.
Insurance technology often describes software used by insurance businesses. Technology insurance here concerns coverage questions for software, IT and technology service companies. State the intended meaning so the request reaches the right review.
No. Ask how the proposed policies handle a service failure, a security incident and a claim involving both. Check definitions, exclusions and the insured services.
Prepare the activity description, current insurance, recent claims details and any contract requirements. Include the business-specific information listed on this page so the licensed partner can ask relevant follow-up questions.
No. A request is not a binder, policy or confirmation of coverage. The organization arranging insurance must confirm acceptance, terms and the effective date.
IT and technology insurance discussions should describe what you build, maintain or advise on, and who relies on it. Explain software development, managed services, hosting, consulting and subcontracted work separately. Ask how proposed professional liability and cyber cover address different allegations or incidents, including where exclusions or overlapping provisions need clarification.
Bring a typical client agreement, service commitments and data-handling description. Ask about contractual obligations, defence costs, territorial scope and the relevant reporting conditions. If the proposal uses claims-made wording, ask the licensed professional to explain the retroactive date and what happens when changing insurers or ending the business.
Looking for technology insurance savings? Prepare an accurate revenue split by service, client location and industry. Explain actual access controls, backups and incident procedures, rather than checking boxes for measures you have not implemented. Ask a professional to review overlaps between cyber and professional liability proposals. Compare response services, limits, exclusions and affordable deductibles together; an attractive premium does not show which business scenarios have been left out.
Hypothetical example: a software consultant begins managing client networks as an ongoing service. Before signing the contract, they should ask whether the new operational responsibilities fit the proposed insurance and what information the insurer needs. This planning scenario helps separate the original consulting work from the added service and does not predict a claim outcome.
This page is general information. Ask the licensed professional handling your request to explain the proposed wording, limits, deductibles and exclusions. Coverage must be confirmed by the organization arranging it.
Background reading: Consumer insurance coverage guidance. Content updated September 9, 2026; coverage and availability remain subject to confirmation.
Contact us to discuss provider availability and the details needed for a useful conversation.
Explore my optionsClear answers to help you compare coverage and prepare for a licensed insurance review.
Explain the software you build, client industries, contract obligations and how you handle data or system access. Software developers insurance may involve technology errors and omissions, cyber protection and general liability, depending on the activities and policy. Ask how financial loss, security incidents, intellectual property allegations and subcontractors are treated. A product label alone does not confirm that a specific contractual obligation or incident is covered.
Before you compare
Information technology insurance should reflect the systems you build, advise on or maintain. IT professional insurance discussions often involve service contracts, client data, subcontractors and the consequences of an outage or error.
Explain managed services, software development, consulting, hosting or hardware work. Include revenue, client industries, contract limits, security controls and incident history. Disclose work performed by subcontractors and clients outside Canada.
They address different exposures and can interact after an incident. Ask how a service failure, data breach and contractual claim would be handled under the proposed wording. Confirm exclusions, reporting conditions and territorial scope.
Be prepared
Hypothetical situations to help you prepare questions—not actual client claims or promises of coverage.
Scenario: Someone alleges an injury arose from the business operations.
What happens next: Preserve incident records and notify the insurer. Declared activities, liability wording and the facts determine whether a policy responds.
Scenario: Equipment used by the business is damaged or stolen.
What happens next: Document ownership, location and cause. Ask the insurer to review the insured property, exclusions, valuation and deductible.
Scenario: Damage prevents the business from operating normally.
What happens next: Keep revenue and expense records. Business interruption depends on the insured trigger, selected coverage and applicable terms.
Actual outcomes depend on the facts and applicable wording. Read claims guidance · Ask about the next step
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