Insurance for Technology companies
Why choose Zurich for Technology insurance?
Zurich delivers high-tech insurance solutions with the experience, tools and resources needed to help hardware, software and service providers better understand risks and develop effective, forward-looking strategies to mitigate them. We provide insurance for technology companies that addresses the risks they face today and anticipates the risks they may face tomorrow.
Technology companies operate within an environment shaped by the products and services offered, cyber dependency, global supply chain concentration and evolving artificial intelligence regulation. Digital platform reliance and data aggregation introduce operational first party and third-party liability considerations. Insurance structures should reflect these interconnected technology risk exposures.
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Targeted classes for Technology
- Federal Government IT Contractors
- Hardware Manufacturers
- IT Consultants
- Resellers and System Integrators
- Software Providers
Technology insurance resources
Zurich Middle Market fact sheet
Insurance solutions for Technology companies
Zurich’s broad all-risk Property form addresses the exposures that technology companies face. Highlights include:
- Real property does not exclude insureds’ interest in underground pipes, flues, drains and other permanent structures.
- Personal property includes personal property of others and computer systems.
- Equipment Breakdown coverage is included with no sublimit.
- Ordinance or Law applies to all covered property and time element loss, not just buildings.
- Better GreenTM – coverage to rebuild to same or higher green standard is automatically included via sublimit after a covered loss.
- Loss of Utilities includes overhead lines.
- BI additional coverages Ingress/Egress and/or Civil Authority can include flood and earthquake for covered locations.
- Natural catastrophe limits and deductibles are scheduled on declaration page and not subject to revision at time of loss.
- Level and variable dividend options available.
- Loss sensitive programs available.
- Pay-as-you-go payroll options.
General Liability Industry specific endorsements providing 25 enhancements to coverage such as:
- Broad Form Named Insured and Newly Acquired Entities for any organizations.
- Automatic Additional Insureds.
- Automatic Waiver of Subrogation and Primary Non-Contributory conditions.
- Bodily Injury includes mental anguish, mental injury, shock, fright or death.
- Incidental medical services, Good Samaritan Acts and Co-Employee extensions.
All perils included for property damage to Premises Rented to You Broadened contractual liability.
- One of the industry’s largest networks, providing coverage in 210 countries and territories
- Regionally based multinational Underwriting teams with expertise in navigating foreign legal, licensing and tax requirements
- A dedicated, 75-person servicing team for multinational programs
- Uniform claims-handling globally, with a U.S.-based multinational Claims Coordinator acting as a single point of contact
Meet our Technology specialists
Scott Jones
AVP, Industry Practices Director, Technology
U.S. Middle Market
scott.m.jones@zurichna.com
Trey Warman
AVP, Industry Practices Directory
Federal Government Contractors and Technology
U.S. Middle Market
trey.warmaniii@zurichna.com
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Risk Engineering
Through Zurich Resilience Solutions, we provide specialized insights and tools to support our customers with solutions addressing traditional and evolving risks – above and beyond insurance.
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Claims Services
Zurich Claims specialists are strategically deployed in the U.S. and around the globe to help customers mitigate and respond to loss events, and to gain insights into becoming more resilient against future losses.
Learn moreFAQs
Technology insurance refers to coverage structures that address property, liability and operational exposures associated with hardware manufacturers, software providers and technology service firms. Coverage considerations include products and services exposures, cyber dependency, data aggregation, business interruption and third-party liability exposures.
Technology companies often operate with elevated cyber exposure due to system interconnectivity and data volume. Coverage availability depends on policy structure and defined coverage triggers.
Multinational operations introduce regulatory, tax and compliance exposures across jurisdictions. Program structures may reflect local policy requirements, cross-border liability considerations and centralized risk governance.
E&O and Cyber exposures may include breach of contract, data breach liability, network interruption, regulatory response and third-party claims. Coverage structure is determined by evaluating contractual controls, analysis of products and services, cyber security controls, system dependency, data volume and operational footprint.
