Technology and Startup Insurance

Technology and Startup Insurance

Technology and Startup Insurance is an important policy that protects technology companies and startups who are rising fast in Canada and are expected to keep doing so over the coming years.

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What is Technology and Startup Insurance?

Technology and Startup Insurance protects technology companies and startups from many risks that they face, including but not limited to cybersecurity risks, damage caused by their product/software to third parties, errors or omissions in service etc.


What does Technology and Startup Insurance cover?

Technology Insurance protects professionals and companies in many ways:

Who needs Technology and Startup Insurance?

Technology Insurance is recommended for the following professionals and anyone who provides a similar service:

What is the cost of Technology and Startup Insurance?

Many factors go into determining the cost of Technology Insurance, including but not limited to:
  • Annual revenue
  • Types of products created
  • Value of assets and liabilities

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Common scenarios where Technology and Startup Insurance is useful

Injured Customer

During a meeting at your office, a client slips and injures her leg. After consulting her lawyer, she files a personal injury lawsuit against your business.

Client Meeting

Your company builds software for a client, which crashes and causes irreversible damage to their computer systems. The client sues you for delivering a product that was not up to the required specifications and causing financial loss.

Computer Screen Hacked

Hackers target your business servers with a DDoS attack, shutting down your business operations unless you agree to pay a ransom.

Frequently Asked Questions about Technology and Startup Insurance

What is the difference between Technology Insurance and Tech E&O Insurance?

Technology Insurance is a specialized policy for technology companies (e.g. Software Developers, IT Staffing, SaaS providers, E-commerce) that includes coverages especially curated to protect Technology companies from the unique risks they face. Tech E&O insurance provides protection in case of errors and omissions in a technology company’s services and is usually included under the broader Technology Insurance policy along with other coverages required by tech companies.

Is Technology Insurance the same as Cyber Liability Insurance?

Technology Insurance could broadly include several different insurance policies that are required by tech companies to protect themselves against the usual risks they face. Cyber Liability insurance provides coverage for damages due to cyber attacks, so it is one of the coverages usually included in a Technology Insurance policy, along with other coverages such as general liability, errors and omissions, legal expense insurance etc.

Are Legal Expenses covered under my Technology Insurance policy?

You may choose to add Legal Expense coverage to your Technology Insurance policy (and we recommend that you do). Legal Expense coverage provides access to a lawyer for immediate legal advice on any business related matter, and coverage for legal expenses for the following: Contract Disputes, Employment Disputes, Criminal Defence, Property Disputes, Personal Injury, and Tax Disputes.

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