• Technology Errors & Omissions – claims that software, systems or services didn’t perform as expected.
• Professional Indemnity – allegations of negligent design, specification, advice or configuration.
• Failure of service – missed SLAs, outages or performance issues (subject to wording).
• Contract disputes – some claims relating to deliverables, scope and acceptance criteria.
• IP and copyright – certain claims around infringement or misuse of third-party code or libraries.
• Defamation and media – relevant online content and communications risks.

• A SaaS platform outage causes lost sales or failed transactions for customers.
• A bug in production corrupts data or causes billing errors.
• An integration with a third-party API fails and customers cannot use a key feature.
• Performance issues under real-world load impact user experience and churn.
• A contractor’s configuration change triggers downtime for a critical system.
• Clients claim your estimates, roadmap or technical advice led them to make costly decisions.
• Security vulnerabilities are exploited, exposing data your system processes or stores.
• Multiple vendors are involved and disputes start over who is responsible for an incident.

• Understanding of SaaS, cloud, on-prem, hybrid and API-driven products.
• Experience placing cover for early-stage startups through to mature software businesses.
• Policies suitable for software contractors working outside IR35 via limited companies.
• Access to insurers specialising in technology E&O and cyber risk.
• Joined-up approach to PI, Tech E&O, Cyber, PL, EL and Directors’ & Officers’ cover.

• 1. Discovery call – we understand your business, product, tech stack and clients.
• 2. Information gathering – turnover, funding stage, user base, contracts and geographies.
• 3. Services & architecture review – SaaS, on-prem, APIs, integrations, data flows and support model.
• 4. Contract review – SLAs, uptime commitments, indemnities and limitation of liability clauses.

• B2B and B2C SaaS products across multiple sectors.
• Vertical industry platforms and line-of-business applications.
• Multi-tenant cloud platforms with significant user bases.
• Usage-based and subscription models with SLAs and uptime commitments.
• White-label and OEM software used inside larger corporate offerings.

Ideal for: developers, engineers, architects, DevOps, SRE, testers and technical leads working via limited company.

• Outside IR35 contractors providing specialist skills to end-clients or consultancies.
• Engineers working on critical systems, infrastructure and platforms.
• Contractors rotating across projects, industries and tech stacks.
• Opportunities to package PI, Cyber, PL and EL in one contractor-friendly solution.
• Cover structured around your day rate, responsibilities and client base.

Real-world usage often surfaces scenarios no test environment anticipated.

• Complex interactions between microservices, APIs and third-party components.
• Shadow IT and unrecorded changes impacting production systems.
• Resource constraints affecting development, testing and incident response.
• Drift between design, documentation and the system as actually implemented.
• Customer behaviour and data volumes far exceeding initial assumptions.

• Refunds, service credits and compensation payments to customers.
• Rework costs, emergency fixes and patching under time pressure.
• Legal fees in defending negligence, IP or contract claims.
• Costs associated with data breach notification and incident response.
• Potential involvement in multi-party disputes spanning vendors, cloud providers and clients.

• Nature of your software – criticality, use cases and industry focus.
• Customer base – SMEs, enterprises, regulated industries, public sector.
• Revenue, user counts and projected growth.
• Contract sizes, deal structures and any major concentration risks.
• Extent of reliance on third parties (cloud providers, vendors, integrators).

Ideal for: software vendors, SaaS providers and platforms with paying users.

• Technology E&O and PI tailored to your architecture and customer base.
• Cyber cover including incident response, forensics and notification costs.
• Public & Employers’ Liability to protect your people and operations.
• Property and business interruption for offices and key assets.
• Optional D&O for founders and directors as the company grows.

Ideal for: software vendors and contractors working with banks, healthcare, government or critical infrastructure.

• Higher PI, E&O and Cyber limits to match contract requirements.
• Support with negotiating liability caps and indemnities.
• Careful review of SLAs and service credit provisions from an insurability perspective.
• Options for excess layers or top-up cover where required.
• Alignment with security certifications and compliance frameworks you hold.

• The software, services and integrations you build and support.
• Your company or contractor business structure and responsibilities.
• Your position in complex value chains with multiple vendors and partners.
• Your balance sheet and personal finances if major claims arise.
• Your long-term credibility with customers, partners and investors.

• Enterprise MSAs requiring specific PI, E&O, Cyber, PL and EL limits.
• Partner and reseller agreements with flowing-down obligations.
• Security and compliance questionnaires from corporate customers.
• Tenders and RFPs expecting detailed confirmation of cover.
• Negotiation of insurance-related clauses to keep obligations aligned with the protection available.