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Cyber / Technology E&O Insurance
Comprehensive protection for data breaches, ransomware, technology failures, and professional liability claims arising from your products and services.
Cyber Liability + Tech E&O
If your company handles customer data, provides technology services, or builds software, you need both cyber liability and technology errors & omissions coverage. Cyber covers first-party costs — including ransomware and cyber-extortion payments, incident response, forensics, data restoration, notification, and business interruption — as well as third-party claims. Tech E&O covers claims alleging your product or service caused financial harm through failure, errors, or missed SLAs.
AI exclusions are increasingly common in tech E&O policies — often broad enough to deny any claim involving machine learning or automated decision-making. We scan every policy for these exclusions and negotiate to remove them before binding.
Industries that need Cyber & Tech E&O coverage
→ From the blog: the insurance requirements enterprise customers demand in contracts
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Frequently Asked
Common questions
Will my coverage meet vendor and customer contract requirements?
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Yes. Investors, customers, landlords, and partners often require specific policies — D&O, Tech E&O, Cyber, Crime — at minimum limits, with additional-insured or waiver-of-subrogation language. We read your contracts, place coverage that satisfies those requirements, and issue certificates of insurance quickly so a deal never stalls on paperwork.
What's the difference between Cyber and Tech E&O insurance?
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Cyber covers first-party losses from breaches (forensics, notification, business interruption) and third-party claims from affected customers. Tech E&O covers claims that your technology product or service caused financial harm through failure, errors, or missed SLAs. Most tech companies need both.
Does Cyber insurance cover ransomware attacks?
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Yes, most cyber policies cover ransomware including ransom payments, incident response costs, data restoration, and business interruption. However, terms and sub-limits vary dramatically. Alton Risk reviews policy language carefully before binding to ensure coverage matches your actual exposure.
What does SaaS failure coverage include?
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Tech E&O covers financial losses when your SaaS platform fails to perform — downtime exceeding SLAs, API errors delivering bad data, integration failures that cause client harm. This is distinct from cyber coverage, which addresses unauthorized access rather than product failure.
Do I need cyber insurance if I'm SOC 2 compliant?
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Yes. SOC 2 reduces your risk profile and helps you qualify for better terms, but it doesn't cover the cost of a breach when one occurs. Cyber insurance pays for the forensics, legal defense, notification, credit monitoring, regulatory fines, and business interruption that no compliance framework covers.
Can't find an answer to your questions? Reach out to our team →