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A security incident and a failure of your technology service can harm customers in different ways. We help technology businesses review cyber and technology E&O together, with attention to contracts, operational dependencies and the information insurers need.
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Coordinated coverage
Review available forensic, legal, notification and recovery services after a covered event. Understand approved-provider requirements, consent conditions, reporting steps and how to contact the insurer’s response team.
Explore coverage →Discuss allegations that your product or professional service failed and caused customer financial loss. Review service definitions, contractual liability provisions, exclusions and the relationship to cyber liability.
Explore coverage →Ask what triggers coverage, which vendors qualify, how waiting periods work and how losses are measured. A cloud outage, system failure and malicious attack may receive different treatment.
Fraudulent instructions, impersonation and funds transfers may fall under separate insuring agreements, sublimits or exclusions. Review cyber and crime policies together; do not assume deepfake fraud is automatically covered or universally excluded.
Illustrative scenarios
Systems become unavailable and your team needs specialist help. Review incident response, restoration, interruption and extortion provisions, including applicable conditions and legal restrictions.
A faulty update disrupts a customer’s operations and it demands compensation. The technology E&O terms, your contract and the nature of the alleged loss shape the coverage questions.
An employee follows a fraudulent payment instruction. Ask about verification procedures, voluntary-transfer exclusions, social engineering sublimits and any relevant AI-related wording.
These examples are discussion points, not promises of coverage.
Policy review
Quote preparation
Start with what you have. Keep confidential records, credentials and sensitive personal data out of the initial inquiry form.
Contracts first
Share customer insurance requirements and exact endorsement wording before quoting or binding. Insurer approval, additional premium or revised contract terms may be needed. A certificate does not change your policy.
Common questions
Many technology businesses have both security/privacy exposures and product/service performance exposures. Whether both coverages are appropriate depends on your operation; one policy label does not establish protection for every type of claim.
No. Your business can still face obligations to customers and losses when a provider has an incident. Review vendor contracts, shared responsibilities and the dependency provisions of your own insurance.
It depends on the actual policy. Review the fraud trigger, payment-verification conditions, exclusions and limits. Avoid relying on blanket statements that all cyber policies either cover or exclude deepfake fraud.
You can start a conversation with basic information. Insurers may require questionnaires and additional evidence before offering terms or binding. Accurate answers are essential; a proposal request does not put coverage in force.
Related guidance
Read Peloton insurance insights →
Tell us about your operation and deadline. We review the information needed for market submissions, then help you compare available terms, limitations and next steps.
Relationships come before policies.
General information only. Availability and terms depend on underwriting. Coverage for any claim depends on the facts and the actual policy terms, conditions, exclusions and endorsements. Submitting an inquiry does not bind or change coverage.