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Most IT companies in California need a combination of General Liability, Professional Liability (Errors and Omissions), Cyber Liability, and a Business Owner’s Policy (BOP). These cover third-party claims, data breaches, property damage, and professional mistakes that may arise in your operations.
While not every type of insurance is legally required, certain policies—like Workers’ Compensation Insurance—are mandatory if you have employees. Other coverages, such as General Liability or Cyber Insurance, are often required by clients or contracts before starting a project.
Cyber Liability Insurance protects your IT or software business from financial loss due to cyberattacks, data breaches, and ransomware incidents. It can cover costs for data recovery, client notification, legal defense, and reputation management after an incident.
The cost depends on your company size, number of employees, revenue, and risk exposure. On average, small IT businesses in California spend between $600–$2,000 per year for basic coverage, while comprehensive policies including BOP and Cyber Insurance may cost more.
Professional Liability Insurance, also known as Errors and Omissions (E&O), protects your IT business if a client claims your service caused them financial loss. For example, if a software glitch or delayed delivery affects their operations, E&O coverage helps pay for legal fees, settlements, and court judgments.
Standard business insurance usually doesn’t cover cyber incidents. You’ll need a Cyber Liability Insurance policy specifically designed for digital risks like hacking, phishing, and data leaks. It ensures your IT company can recover quickly from financial and operational disruptions.
Yes, if your IT business is based in California, you’re legally required to provide Workers’ Compensation Insurance even if employees work remotely. It covers medical costs and lost wages for employees who suffer work-related injuries or illnesses while working from home.
Absolutely. A Business Owner’s Policy (BOP) combines General Liability, Commercial Property, and Business Interruption Insurance into one affordable package. It’s ideal for small to mid-sized IT companies looking for broad protection and cost savings.
Policy limits define the maximum amount your insurance company will pay per claim or per year. IT businesses handling sensitive data or large contracts should consider higher limits—usually starting from $1 million per occurrence—to ensure adequate financial protection.
If an incident occurs, notify your insurance provider immediately. Gather all related documents—such as client contracts, communications, and evidence of loss—and submit them as part of your claim. A dedicated claims adjuster will guide you through the process and help resolve it efficiently.
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Comprehensive insurance solutions designed to protect IT and tech businesses from everyday and cyber risks.
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A trusted California-based team dedicated to securing IT companies with expert, customized coverage.
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Discover tailored insurance options including General Liability, BOP, Workers’ Compensation, and Cyber Liability.
