Insurance for SaaS, dev shops, AI builders and MSPs.
I am a licensed BC broker who also writes software. I place cyber, tech E&O, AI liability and D&O with insurers. The wording decides what responds. If the company also needs property or another line, ask.
Book a 20-min AI & Cyber Coverage ReviewSaaS
A customer contract that names insurance limits, and a product that can go down.
Dev shops
Professional services, implementation, and a statement of work that promises a result.
AI builders
A model, a feature, or an API whose output a customer will rely on.
MSPs
Access to other people's systems, and a contract that assumes you carry cyber and E&O.
Situation
The first enterprise contract
A larger customer sends an insurance exhibit: cyber limits, tech E&O, and sometimes a certificate before the deal closes. I read that exhibit against policies that actually exist, and I tell you what an insurer is likely to refuse to match.
- Cyber insurance — breach costs, ransomware, business interruption, and the social-engineering sub-limit.
- Tech E&O — the professional liability the contract is usually asking for.
- Other commercial — property and general liability if the contract asks for those too.
Situation
Fundraising
Investors and new directors ask what is already in force, and whether anyone has personal cover. I do not give financing advice. I place the policies they are pointing at, and I will say if a market will not write a company at that stage.
- D&O — personal liability for directors and officers.
- Cyber — the questionnaire is part of the round, even when nobody calls it that.
- Employment practices — if the round also asks about workplace cover.
Situation
Launching AI features
Shipping a model, a copilot or an automated decision often runs into an exclusion already sitting in the cyber or tech E&O form. I look for that exclusion before you tell a customer the feature is covered.
AI liability
How cyber and tech E&O treat a model, and when a specialty form is even available.
Model performance
A contractual accuracy or uptime promise. Many policies are silent.
Algorithmic bias
Discrimination claims from automated hiring, credit or service decisions.
Deepfake and social-engineering fraud
Payment fraud that starts with a synthetic voice or a fake executive. Sub-limits are common. I will show you the clause.
Regulatory questions
Defence costs, where insurable. I do not write a compliance opinion.
D&O
When the board is the one being asked what the company shipped.
Coverage is provided by insurers and is subject to the terms, conditions and exclusions of the policy. I am not the insurer.