Infrastructure risk, compounded downstream.
When your CI system, database, auth layer, or API goes down, the loss doesn't stop at your customer. It cascades to theirs. That aggregation is the exposure.
Broker response
Same business day
Answered by a broker, in writing.
Quote turnaround
3–10 business days
From a complete submission to terms in hand.
Certificates
Same day
Standard requests issued without an email chain.
Renewal process
Begins 90 days out
Not the week before your policy expires.
What actually goes wrong at companies like yours
Not a generic risk list. These are the exposures underwriters ask about and the ones that produce claims.
Cascading business interruption
One incident becomes many simultaneous customer claims.
Supply chain and package integrity
Compromised builds, dependencies, or signing keys create broad third-party exposure.
Open source and license exposure
License compliance and contributor IP claims arising from distributed code.
Privileged access to customer environments
Agents, runners, and integrations that hold customer credentials raise the severity of any compromise.
Usage-based revenue volatility
Business interruption calculations are harder and need to be structured deliberately.
Contingent BI from hyperscalers
Deep dependence on a single cloud region or provider concentrates outage risk.
What we typically place
A starting structure for developer tools. Your contracts, data footprint and headcount move it — which is exactly what the submission is for.
Build your programmeUnderwriting aggregation
Infrastructure companies get asked a question most SaaS companies don't: what is the maximum number of customers a single failure could affect at once? Underwriters are modelling aggregation, and a vague answer produces a conservative quote.
A good submission answers it directly — blast radius by component, isolation boundaries, multi-region posture, rollback and canary practice, and historical incident data. We help you build that narrative once and reuse it every renewal.
What your customers will ask you to carry
The limits that show up most often in insurance exhibits for developer tools. Send us the exhibit before you sign and we'll tell you whether you comply, what compliance costs, and what is worth negotiating.
| Requirement | Typical ask |
|---|---|
| Technology E&O | $2M – $10M |
| Cyber with dependent BI | $2M – $10M |
| General liability | $1M / $2M |
| Workers' compensation | Statutory + $1M EL |
| Umbrella | $1M – $5M |
Developer tools, answered
Anything else, send it to a broker and get a written answer within the business day.
Generally fine, with attention to license compliance and whether you offer commercial support or warranties on the open source itself. Where you provide paid support, that's professional services and it belongs in the E&O description.
Get a programme built for developer tools.
Tell us about the business once. A broker reviews it the same day and comes back with a plan, a timeline and what we need to take it to market.