Technology & Cyber · North San Diego
Cyber liability, technology E&O, and D&O for software companies, SaaS platforms, and technology service providers in North San Diego.
The Coverage Gap
Standard general liability policies are built for businesses with premises exposure — slip and falls, property damage, that sort of thing. They're not built for the primary risks that tech companies face, which are data-related. Most GL policies have broad exclusions for anything arising from a data breach, a software failure, or a professional error — the exact things most likely to generate a claim for a technology company.
Technology E&O (errors and omissions) covers professional liability for software, SaaS platforms, and technology service providers. It responds when a client claims that your product or service failed to perform as promised and they suffered a loss as a result. Without it, a professional claim lands against your general liability policy — which is likely to disclaim coverage.
Cyber liability covers the costs of a data breach or network security failure — forensics, notification, credit monitoring, regulatory defense, and third-party claims. The average breach costs $4.9M. Most small business cyber policies cost a fraction of that annually, and the coverage gap between having it and not having it is significant.
The Cost of Getting This Wrong
Coverage Lines
Covers forensics, breach notification, credit monitoring, regulatory defense, and third-party claims following a data breach or network security failure. Written with both first and third-party protection.
Learn More →Professional liability coverage for when a client claims your software or service failed to perform as promised and caused them a financial loss. The core policy most technology companies are missing.
Learn More →Protects your leadership's personal assets from claims arising out of management decisions — brought by investors, employees, competitors, or regulators. Often required by investors before a funding round closes.
Learn More →Covers claims from current or former employees alleging wrongful termination, discrimination, harassment, or retaliation — an increasingly common exposure as technology companies scale headcount quickly.
Covers losses from employee theft, funds transfer fraud, and social engineering scams — where an employee is deceived into wiring funds or sharing credentials. Increasingly the entry point for major losses.
Covers the traditional bodily injury and property damage exposure that still exists for office space, client visits, and events — written as a complement to your technology-specific coverage, not a substitute for it.
Who We Serve
Common Questions
Cyber liability covers the costs that follow a data breach or network security failure — forensic investigation, breach notification, credit monitoring, regulatory defense, and third-party claims from affected individuals. Technology E&O covers professional liability when a client claims your software or service failed to perform as promised and caused them a financial loss, regardless of whether a data breach was involved. Most technology companies need both, and they're often written together in a single package policy.
Most standard cyber policies cover ransomware, including forensic response, negotiation and payment of the ransom in many cases, business interruption from the outage, and system restoration costs. Coverage details vary meaningfully between carriers, though — sub-limits on ransom payments, waiting periods for business interruption, and requirements around your security controls (like multi-factor authentication) can all affect how a ransomware claim actually pays out. We review these terms carefully rather than assuming all cyber policies respond the same way.
Yes, private and even early-stage companies benefit from D&O coverage. Claims can come from investors, employees, competitors, or regulators — not just public shareholders. If you've raised outside capital, have a board of directors, or are planning to raise a future round, investors will often require D&O coverage as a condition of funding, and the policy protects your directors' and officers' personal assets from claims arising out of their management decisions.
First-party coverage pays for costs your business incurs directly from a cyber event — forensics, notification, credit monitoring, business interruption, and system restoration. Third-party coverage responds when someone else — a customer, a partner, a regulator — brings a claim against you because of the breach, covering defense costs and settlements. A complete cyber program includes both, since a single breach can trigger direct costs and third-party claims simultaneously.
Almost certainly not. Standard GL policies are built around bodily injury and property damage from premises and operations exposure, and most include a broad cyber exclusion that specifically carves out anything arising from a data breach, unauthorized access, or loss of electronic data. If a breach happens and your only coverage is a GL policy, you should expect the claim to be denied.
It depends on the volume and sensitivity of the data you handle, your revenue, your contractual obligations to customers, and your industry — healthcare and financial data carry higher regulatory exposure than typical B2B SaaS data. We look at your actual data footprint and customer contracts rather than defaulting to a generic limit, since a policy that's too thin on limits defeats the purpose, and a policy that's oversized wastes premium.
Technology E&O covers financial loss claims arising from your product or service failing to perform as represented — a software bug that corrupts a client's data, an outage that costs a customer revenue, a coding error that breaks a client's system. GL policies exclude these kinds of professional and financial loss claims almost entirely, since they're built for physical injury and property damage, not performance failures in a digital product or service.
A 30-minute conversation with a CPCU-credentialed broker can change what you're paying and what you're protected against.