Cyber & Technology

Cyber and Tech E&O programs built for technology firms

OnePark Risk designs cyber, Tech E&O, D&O, EPLI, commercial, and private risk programs that help founders satisfy contracts, protect the balance sheet, and scale with confidence.

First-party loss, third-party liability, breach response, and underwriting readiness for SaaS, AI, fintech, healthtech, and MSPs.

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Five things every technology firm should expect from their cyber broker.

  • Speed — Fast intake, market access, quote comparison, certificate support, and renewal execution when contracts, investors, or customers create urgency.
  • Experience — Startup, technology, cyber, management liability, commercial, and private risk expertise — explained in plain business terms.
  • Compliance readiness — Insurance translated into the language of contracts, enterprise procurement, SOC 2-related requests, vendor risk, and diligence support.
  • Market breadth — Access to more than 100 major insurance carriers and excess lines carriers throughout the country, across cyber, technology, management liability, commercial, and private client markets.
  • Stewardship — Renewal strategy, claims coordination, policy review, and risk program evolution as the business grows.

Coverage tuned to the technology firms underwriters scrutinize most.

  • SaaS and platform companies — Multi-tenant platforms with enterprise customers, uptime SLAs, and customer-data exposure that drive both Tech E&O and cyber underwriting questions.
  • AI and data-intensive products — Model output liability, training-data provenance, and customer indemnity language that needs explicit Tech E&O and media liability backing.
  • Fintech, healthtech, and regulated SaaS — PCI, HIPAA, SOC 2, and state-AG exposure with carriers that understand financial-services and healthcare data flows.
  • MSPs, MSSPs, and security platforms — Failed-services Tech E&O, security-services exclusions, and contractual liability tuned to the unique exposure of selling security itself.

The components most cyber and Tech E&O programs include.

  • Breach response — Forensics, legal counsel, customer notification, and credit monitoring.
  • Ransomware & extortion — Payment facilitation, negotiation, and recovery costs subject to sanctions screening.
  • Business interruption — Lost income while platforms, systems, or dependent services are down.
  • Privacy & regulatory — Third-party privacy claims plus HIPAA, GDPR, FTC, and state-AG defense.
  • Tech E&O — Customer indemnification when your product or service fails to perform as promised.
  • Funds-transfer fraud — Social engineering, vendor impersonation, and wire-transfer fraud sublimits.

Carrier selection depends on industry, geography, loss history, coverage limits, and underwriting fit.

Read the full guide on each program.

  • What Cyber Insurance Does a SaaS Company Need? — The full SaaS coverage stack — combined cyber + Tech E&O, the controls underwriters require, limits by ARR, and 2026 costs from named sources.
  • Agency Controls Qualified Coverage — A specialty Cyber and Tech E&O program for companies whose SOC 2 / ISO 27001 audits are validated by Agency — preferred pricing for proven controls.
  • Constellation GRC Qualified Coverage — A specialty Cyber and Tech E&O program for companies whose SOC 2 / ISO 27001 audits are validated by Constellation GRC.
  • Cyber Insurance for Technology Firms — How software vendors, MSSPs, infrastructure providers, and security platforms structure cyber and Tech E&O programs.
  • Tech E&O Insurance — What technology errors and omissions coverage pays for, when customer contracts require it, and what it costs.
  • Cyber Insurance for Startups — What startup cyber coverage includes, when investors and enterprise customers require it, and the 2026 median premium.
  • SaaS Insurance — The full SaaS program: Tech E&O and cyber on one combined form, D&O, EPLI, and the limits enterprise contracts require.
  • Tech E&O vs Cyber Liability — A side-by-side comparison: what each policy covers, where they overlap, and when to combine them.
  • Insurance Requirements for Enterprise Contracts — Translate the cyber and E&O sections of an enterprise MSA into the actual coverage your policies need to satisfy.
  • Startup Insurance Hub — Cyber lives next to D&O, EPLI, and management liability — see how the full startup coverage stack scales by stage.
  • Software & SaaS Industry Page — Industry-specific underwriting, common contract requirements, and renewal considerations for SaaS firms.
  • Startup Insurance Checklist — A working checklist by funding stage — including the cyber and E&O decisions that come up at each round.

Technology industry risk programs.

Cyber and E&O exposure varies significantly by industry vertical. Explore programs tailored to your sector.

Quick answers to the questions founders and CISOs ask first.

What does cyber insurance actually pay for?

Forensic investigation, legal counsel, customer notification, credit monitoring, ransomware payments, business interruption losses, regulatory defense, and third-party lawsuits arising from a breach.

Will my policy pay a ransomware demand?

Most cyber policies pay extortion demands subject to sanctions screening, the carrier's pre-approval, and your retention. We help structure the policy and the response so payment is an option if the business case requires it.

How are limits typically structured?

Most early-stage technology firms start with $1M–$3M in combined cyber + Tech E&O, with higher sublimits for breach response. Limits scale with revenue, customer-contract requirements, and the data sensitivity you handle.

Do I need cyber if I'm SaaS and don't store payment data?

Yes — cyber covers exposure beyond payment data: PII, business interruption from a SaaS outage, customer indemnification, and regulatory action. Most enterprise customers will require it in their contracts regardless.

Bring the security questionnaire, the MSA, or the renewal — we'll handle the rest.

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Licensed in New York, California, Delaware, Massachusetts, Pennsylvania, New Jersey, Nevada, Florida, Virginia, and Washington.

Move quickly without buying the wrong coverage.

Share your contracts, current policies, or coverage questions. OnePark Risk will help map the right next step.

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