Business Insurance for California Technology Businesses

Operational exposures

• Technology errors causing client outages or financial loss
• Data breaches and ransomware
• IP or media claims tied to content
• Premises and general liability at offices

Relevant coverage options

These coverages are commonly considered for this industry. Coverage depends on policy wording, exclusions, limits, and underwriting — no policy automatically covers every example below.

• Professional Liability / E&O — Claims arising from professional errors, omissions, or negligent advice.
• Cyber Liability — Data breach, ransomware, and cyber-incident response and liability.
• General Liability — Third-party bodily injury, property damage, and advertising injury.
• D&O Liability — Liability for directors and officers governing a company.
• Employment Practices (EPLI) — Claims of wrongful termination, discrimination, harassment, and related workplace acts.

Common policy limitations

• Standard professional liability may not cover technology-specific errors without a tech E&O form
• Cyber sub-limits may not cover a large ransomware event
• IP infringement coverage varies by form

Information typically needed for a quote

• Products, services, and data handled
• Security controls and compliance
• Annual revenue and client contracts
• Prior incidents

A practical claim scenario

Situation: A bug in delivered software causes a client outage and financial loss.

How coverage may respond: Technology E&O may address the professional error and cyber may address the incident response, subject to each policy's terms — coverage depends on the form purchased.