Tech E&O for companies whose product is software or services, and cyber liability for any business that stores, sends, or receives data. Modern coverage for the way businesses actually operate today.
"Criminals don't break into banks anymore. They hack into systems."
The most valuable thing a small or mid-size business has on hand today isn't cash in a register. It's data, access credentials, payroll info, and the ability to wire money. Cyber insurance is what responds when somebody goes after those things.
Cyber liability responds when an attacker, a mistake, or a compromised system causes damage. Four of the most common scenarios we see covered:
Customer records, credentials, and sensitive data stolen or exposed. Covers notification costs, credit monitoring, regulatory fines, and legal defense.
Systems encrypted and held hostage for payment. Covers ransom negotiation, payment, system restoration, and business interruption while you recover.
Phishing, business email compromise, impersonation scams. Covers wire transfer fraud when an employee is tricked into sending money to a bad actor.
DDoS, malware, system intrusion, and the downtime they cause. Covers forensic investigation, remediation, and lost income during the outage.
Traditional errors & omissions coverage is built for professional services — accountants, consultants, agencies. If your business is heavily tech-based — SaaS, custom software, APIs, integrations, managed IT — traditional E&O often isn't broad enough to capture the things that can actually go wrong.
Tech E&O is purpose-built for the exposures of a tech company: failed implementations, bugs that cause customer loss, performance failures, integration breaks, and claims that a product didn't do what it was sold to do. It pairs with cyber liability so both what you do and what happens to you is covered.
Even if your business isn't remotely "tech" — you run a restaurant, a dealership, a contracting company, a daycare — you still handle credit cards, email threads, employee records, and online banking. That's enough exposure that we consider cyber liability a base layer of coverage for any modern business, not a specialty add-on.
Whether you're a SaaS startup or a local shop that just wants its bases covered, we'll put together a program that fits.
Start My Quote →Disclaimer: The coverages, endorsements, and features described on this page are illustrative examples and may vary by carrier, state, and individual policy. Conexion Insurance Agency does not guarantee that any specific coverage, limit, or exclusion applies to your policy. Actual terms are governed solely by the policy issued to you — please review your own policy documents carefully and contact us directly for specifics about your account.