Overview of the Program from RPS TECHNOLOGY & CYBER
RPS TECHNOLOGY & CYBER offers a targeted Social Networking Insurance program that provides professional liability (E&O) protection for companies that build, host or operate social networks and online communities. The program is designed for the fastest-growing segment of the internet: platforms that connect users, moderate user-generated content, manage profiles and deliver social features via web and mobile apps. Coverage is placed through multiple carrier partners to fit a range of size, functionality and risk characteristics.
Ideal Accounts and Appetite
- Small to mid-sized social networks, niche communities and membership sites (hobbyist groups, professional associations, alumni networks).
- Startups and growth-stage platforms that offer profile systems, messaging, content feeds, groups, events, or basic API integrations.
- Developers and vendors who provide social plug-ins, moderation tools or hosted community platforms under contract for third parties.
Typical fits are organizations with documented content moderation policies, privacy and terms of service, some controls around user content, and clear product roadmaps. Accounts with active or historic large-scale litigation, persistent illegal content issues, or high-risk adult/illegal content exposure may be declined or require special underwriting.
Coverage Highlights and Advantages
- Professional liability (E&O) wording tailored to social networking exposures—claims alleging failure of service, content moderation errors, privacy-related mistakes and API/service failures.
- Access to multiple admitted and non-admitted carrier options through RPS TECHNOLOGY & CYBER's wholesale broker relationships—helpful for placing a broad range of risk profiles.
- Flexible limits and endorsements available depending on carrier appetite and account characteristics.
- Underwriting geared toward tech product features and operational controls (moderation, takedown procedures, data handling) rather than only revenue size or user counts.
Underwriting Notes and Minimum Premiums
Underwriters will typically ask about platform functionality, user base size, registration/verification procedures, moderation and abuse policies, data retention and privacy practices, third-party integrations (APIs) and contractual relationships with customers or hosts. Prior incidents, lawsuits, or regulatory inquiries will affect pricing and terms. Minimum premium and final terms vary by carrier; RPS TECHNOLOGY & CYBER places with a range of markets and will match the best fit to your submission.
Territories and Availability
This Social Networking Insurance program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Carriers and admitted status vary by state and account—RPS will identify admitted and non-admitted options where applicable.
Why Work with RPS TECHNOLOGY & CYBER on Social Networking Accounts
- Wholesale broker specialization in technology and cyber exposures—experience placing niche tech E&O for online platforms.
- Access to multiple carriers and flexible placement options to suit startups through established platforms.
- Practical underwriting guidance: we help you prepare submissions to highlight product controls and reduce friction in placement.
- Fast, clear responses and the ability to coordinate endorsements or ancillary coverages when needed.
Example Account Scenarios
- You have a client launching a regional community app that lets neighbors post classifieds and events—they need E&O protection for moderation decisions and platform availability.
- You represent a SaaS vendor that provides social commenting and single sign-on features to multiple clients—this program can be used to place professional liability for the vendor’s services.
Frequently Asked Questions
What types of accounts are a good fit for this Social Networking Insurance program?
The program fits small to mid-sized social networks, niche communities, membership sites, and vendors that provide social features or moderation tools. Best candidates have documented moderation and privacy practices and limited history of large claims or regulatory actions.
What coverages and limits are typically available?
Primary coverage is professional liability (E&O) tailored to social networking exposures. Limits and specific endorsements vary by carrier and account; RPS TECHNOLOGY & CYBER will identify available limit options based on the submission.
What information should I include with a submission?
Include product description and features, user base size, revenue, moderation and abuse policies, privacy/data handling practices, third-party integrations, key contracts, and any prior claims or incidents. Clear documentation speeds underwriting.
Where is this program available and how are minimum premiums handled?
The program is available in the states listed on this page. Carriers and minimum premium requirements vary; RPS will confirm state availability and any minimum premium on a per-submission basis.
Need help placing an account? Connect with a market specialist.