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Commercial Insurance ·

Technology

Technology Company Insurance Built for How Your Business Actually Works

Specialized coverage for mid-market technology firms in Pittsburgh and across the Mid-Atlantic, from SaaS and IT services to managed service providers and hardware manufacturers.

Your risk profile isn't standard. Neither is our approach.

With 100+ years of carrier relationships and a practice built around middle-market commercial clients, Simpson | McCrady structures the coverages that define technology risk (errors & omissions, cyber liability, professional indemnity, and management liability) into programs that protect what you've built, not what a standard form assumes you need.

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Why This Requires Expertise

Technology Risk Is Different. Your Insurance Should Be Too.

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Most commercial insurance packages were designed for businesses that make physical things or deliver in-person services. Technology companies don't fit that mold, and the gaps in a standard policy can be significant. A software error that disrupts a client's operations, a data breach exposing personally identifiable information, an IP dispute triggered by a competitor's claim, or a D&O allegation tied to a funding round: these are not edge cases for a mid-market technology firm. They are foreseeable exposures that require deliberate, expert structuring to address.

What insurance does a technology company need? At minimum: errors & omissions coverage that matches the actual scope of your software or services liability, cyber liability protection calibrated to your data handling and third-party integration risks, and management liability coverage that scales with your organizational complexity. Whether you operate as a SaaS platform, an IT services firm, a managed service provider, or a hardware manufacturer, the overlap between professional, cyber, and commercial exposures demands a broker who understands how those policies interact, and who has the carrier relationships to negotiate meaningful terms, not just satisfy a contract requirement.

Simpson | McCrady operates exclusively as an independent broker, which means our analysis starts with your specific risk profile, not a carrier's preferred product. For technology companies operating across Pennsylvania and the Mid-Atlantic, that structural independence is what turns an insurance program into genuine risk management.

What We Cover

Coverage Designed for Technology Companies

Errors & Omissions (E&O) Insurance

Professional liability coverage for software developers, SaaS providers, and IT consultants when a product failure, service error, or missed deliverable results in a client's financial loss. Structured to reflect the actual scope of your technology services, not a generic professional liability form retrofitted for tech.

Cyber Liability Insurance

First- and third-party coverage for data breaches, ransomware attacks, business interruption from system outages, and regulatory response costs. Essential for any technology company handling client data, processing transactions, or managing third-party integrations, including SaaS platforms and managed service providers.

Technology Professional Liability

Combined E&O and cyber coverage designed for technology firms whose professional services risk and data risk are inseparable, a common and cleaner structure for IT services companies, software consultants, and cloud solution providers who need a unified program rather than fragmented policies.

Directors & Officers (D&O) Insurance

Management liability protection for technology company executives and board members facing allegations tied to governance decisions, fundraising activity, investor relations, or employment practices. Particularly relevant as mid-market technology firms pursue institutional capital or position for acquisition.

Commercial General Liability

Foundational coverage for bodily injury, property damage, and advertising injury claims arising from your business operations, the baseline layer beneath your technology-specific policies, structured to eliminate overlap and close gaps between your CGL and specialty lines.

Employment Practices Liability (EPLI)

Protection against claims of wrongful termination, harassment, discrimination, and related employment allegations, a growing exposure for technology firms managing rapid hiring cycles, remote workforces, and competitive talent markets where disputes are more frequent than in traditional industries.

Commercial Property & Equipment Coverage

Coverage for owned or leased office space, servers, hardware, and specialized equipment against physical loss, including business personal property protection for hardware manufacturers and IT infrastructure providers carrying significant physical asset exposure.

Business Interruption Insurance

Income replacement and ongoing expense coverage when a covered event disrupts operations, especially relevant for technology companies whose revenue depends on system availability and contractual service continuity obligations that don't pause because your infrastructure does.

Intellectual Property Liability

Coverage for legal defense costs and damages arising from IP infringement claims, including copyright, trademark, and trade secret disputes that intensify as your product portfolio grows and competitors sharpen their litigation strategies.

Umbrella & Excess Liability

Extended limits that apply across your underlying policies when a claim exceeds primary thresholds, important for technology firms with enterprise clients, government contracts, or significant contractual indemnification requirements that set minimum coverage floors above standard policy limits.

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Our Approach

An Independent Broker Who Works for You, Not the Carrier

There is a meaningful difference between purchasing insurance and structuring it. As an independent broker serving technology firms across Pittsburgh and the Mid-Atlantic, Simpson | McCrady is not affiliated with any single carrier, which means our first question is always about your business, not about which product fits a preferred market's appetite.

For technology companies, that independence produces concrete results. When your errors & omissions policy needs to address both software failure and professional services liability within the same program, we have the carrier breadth to structure that cleanly. When your cyber coverage must align with a client contract's specific security and notification requirements, we negotiate from a position of genuine market access, not a single-carrier menu. And when a claim occurs (whether it's a data incident, a professional dispute, or a property loss), our team advocates on your behalf at every stage, not the carrier's.

Our work begins with a detailed assessment of your risk profile: the services you deliver, the clients you serve, your data environment, your organizational structure, and the contractual insurance obligations embedded in your agreements. From that foundation, we build a coverage program around your actual exposures, not a templated industry package, and take it to the specialty carriers best positioned to offer meaningful terms for a company at your stage and scale.

For established, growth-stage technology businesses in Western Pennsylvania and across the Mid-Atlantic, that means working with a team that has spent decades building relationships with the specialty markets that price and understand technology risk. If you're ready to move from a transactional broker to an advisory one, that's the conversation we're built for.

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Firm Credentials

The Depth Behind Your Coverage

100+
Years in Business
$20B+
In Insured Assets
5,000+
Clients Served
Pittsburgh & Mid-Atlantic
Regional Specialist Coverage

Speak with a Trusted Advisor

Speak With an Advisor

Technology

Coverage Specialist

One straightforward conversation is all it takes to understand where your coverage stands, and where it should be. Protecting Tomorrow Today.

Prefer to call? 412-261-2222 · info@simpson-mccrady.com

Prefer to talk? 412-261-2222

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