When the customer's legal team reads the policy.
Enterprise buyers don't accept a certificate at face value. They ask for endorsements, waivers, and named-customer language. We answer them directly so your team doesn't have to.
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.
Negotiated indemnities
Uncapped IP and data-breach indemnities that exceed standard limits.
Implementation services
Professional services revenue creates E&O exposure distinct from the product itself.
On-premise and hybrid deployments
Software inside a customer's environment complicates both liability and breach response.
Named-customer requirements
Specific additional insured, waiver, and primary/non-contributory language by contract.
Concentration risk
A small number of very large contracts makes a single dispute existential.
Global operations
Non-US entities, employees, and customers require locally admitted coverage in many jurisdictions.
What we typically place
A starting structure for enterprise software. Your contracts, data footprint and headcount move it — which is exactly what the submission is for.
Build your programmeInsurance as part of the contract negotiation
At enterprise scale, insurance stops being a checkbox and becomes a negotiation. Customers ask for specific endorsements, primary and non-contributory wording, waivers of subrogation, thirty-day notice of cancellation, and sometimes to be named on the professional liability policy — which most forms don't do.
We sit in that negotiation with your legal team. In practice that means telling procurement what the market will and won't provide, drafting the response, and getting the endorsement issued when it is available.
What your customers will ask you to carry
The limits that show up most often in insurance exhibits for enterprise software. 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 | $5M – $20M |
| Cyber liability | $5M – $20M |
| General liability | $1M / $2M + additional insured, primary & non-contributory |
| Umbrella / excess | $5M – $25M |
| Crime | $1M – $5M |
| Workers' compensation | Statutory + $1M EL, waiver of subrogation |
Enterprise software, answered
Anything else, send it to a broker and get a written answer within the business day.
Usually not — professional liability forms generally don't contemplate it. What is achievable is a certificate evidencing limits, a waiver of subrogation, and in some markets a named-customer endorsement. We tell procurement exactly that, in writing.
Get a programme built for enterprise software.
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.