How to Compare Technology Insurance Quotes
Compare technology insurance quotes beyond premium: limits, retentions, exclusions, defense costs, retroactive dates and binding requirements.
Read the guide: How to Compare Technology Insurance QuotesScaling
Growth outgrows the program quietly.
Larger contracts ask for higher limits, new jurisdictions add obligations, and the structure that fit at twenty people rarely fits at two hundred.
Typically required
- Technology E&O$5M – $20M
- Cyber liability$5M – $20M
- Directors & officers$5M – $20M, layered
- Umbrella / excess$5M – $25M
- Crime$1M – $5M
- International exposureLocally admitted cover where entities exist
Ranges commonly seen. Your contracts and exposure decide the answer.
Sound familiar?
If any of these are true right now, this is the situation you're in.
- Revenue has grown but the limits haven't moved since the last round
- A single customer is now a material share of the book
- A contract asks for more limit than your primary policies carry
- You've opened an entity or hired outside the US
- Renewal arrived late last year and you had no leverage
The situation
The program you bought at Series A no longer fits.
Programs drift out of shape. Revenue triples but the E&O limit does not. Headcount spreads into eight new states. A single customer becomes a third of the book, and its contract asks for limits three times what you carry. None of it announces itself; it shows up at renewal, or in a procurement review, or in a claim.
At this stage the questions change from 'do we comply' to 'what would actually hurt us'. Excess layers appear. Umbrella becomes the efficient answer to contract requirements rather than a nice-to-have. Retentions get negotiated deliberately rather than accepted. Dedicated Side A cover starts to make sense as the board grows.
This is also where a broker earns their keep or does not. Renewal work that begins ninety days out with refreshed exposure data and a real market strategy produces a materially different outcome from a renewal quote that arrives the week before expiry.
What answers it
The coverage this situation calls for
In priority order, with the reason each one is on the list.
What Atlas does
Specifically, in this situation.
- Start renewal work ninety days out with refreshed exposure and a market strategy
- Present a year-over-year comparison of terms, not only premium
- Structure excess layers rather than raising every primary policy
- Sit in the negotiation with your legal team when procurement asks for unusual endorsements
Your placement00 / 05
- 01
Submission reviewed
Within 1 hourYou tell us about the business once. We review your submission and come back with anything still outstanding.
- 02
Coverage & requirements reviewed
Within 2 hoursContracts, exposures, limits and requirements checked against what you actually need to carry — and what you don't.
- 03
Markets approached
Within 6 hoursWe approach carrier and wholesale markets suited to the risk, with a submission built to be read rather than skimmed.
- 04
Options compared
Same dayOptions land in your portal as markets respond, compared side by side — including the exclusions that decide whether a claim pays.
- 05
Bind & certificates
Starts the moment you approveWe coordinate binding with the carrier as soon as you choose, and issue certificates once coverage is confirmed in writing.
Service targets, not guarantees. Timing moves with complexity and how quickly information comes back.
Questions
Answered.
No. Cyber and technology E&O need a dedicated excess layer over those specific policies. Umbrella sits over general liability, auto and employers liability.
When exposure has changed materially, when terms have deteriorated, or when the incumbent's pricing no longer reflects your loss experience. We tell you which of those applies rather than re-marketing reflexively.
We can review what you have and tell you whether it is worth moving. Most programs are best moved at renewal, and we would start ninety days before your expiry so there is real leverage.
Scaling
Get covered without the runaround.
Tell us what changed. A broker reads it the same business day and comes back with what it means and what it costs.