America's Internet Brokers, Inc. offers a Technology insurance program designed for independent agents and brokers who need market access for technology firms of varying size and complexity. The program combines traditional property/casualty lines—Property, General Liability, Commercial Auto, and Workers’ Compensation—with Directors & Officers and Management Liability, plus a focused suite of Professional Liability (Technology E&O) products tailored to software and IT service risks.
Our targeted appetite includes hardware developers and resellers, systems integrators and installers, managed service providers, IT consultants, and both package and custom software developers. Coverage and endorsements are designed to address errors & omissions exposures arising from software defects, faulty integrations, data loss or breach-related liabilities, and service delivery disputes.
Overview of the Program From America's Internet Brokers, Inc.
This program gives you placement options across admitted and excess markets represented by the carriers listed on this storefront, including AIG, CNA, The Hartford, The Seneca Companies, Travelers, and Zurich. Underwriting is focused on technology firms where professional services, software development, installation, integration, and maintenance are the core operations.
Ideal Accounts and Appetite
- Software developers — package and custom software vendors with development and maintenance agreements.
- IT services firms — turnkey installation, system integration, and ongoing maintenance/support providers.
- Hardware vendors and integrators — firms that design, sell, install or service hardware systems.
- Managed service providers and cloud service integrators with defined SLAs and professional services revenue.
Coverage Highlights and Advantages
- Technology Professional Liability (E&O) policies sized to address coding errors, project delays, failed integrations, and third-party claims for financial loss.
- Combined placement capability for GL, Property, Auto, WC, and Management Liability provides coordinated wording and limits for complex accounts.
- Markets with capacity for small startups through mid-market firms — helpful where layered limits or specialty endorsements are required.
- Underwriting that understands contracts, service-level agreements, and the common risk-transfer provisions technology firms face.
Underwriting Notes and Minimum Premiums
When submitting, highlight: revenue by product/service line, contract wording and typical SLAs, claims history and prior acts coverage needs, security controls if handling data, and any third-party code or subcontractor use. While minimum premium details are handled per carrier and state, expect submissions to include detailed exposures for tailored Professional Liability placements.
Territories and Availability
The program is available in the following states: AZ, CA, CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MN, MS, NE, NJ, NY, NC, ND, OK, OR, PA, SC, TN, TX, UT, VT, VA, WA, WV. Availability may vary by carrier and line; check each submission for admitted vs. non-admitted options and state-specific forms.
Why Work With America's Internet Brokers, Inc. on Technology Business
- Access to multiple A-rated markets with experience in technology E&O and management liability.
- Program-level expertise that helps match account nuance (SaaS, on-premise deployments, integrators) to the right carrier appetite.
- Practical underwriting checklists for agents to accelerate quotes and reduce turnaround times.
Example Fit Scenarios
- You have a 25-person IT firm that integrates network hardware and provides 24/7 maintenance contracts — this program can combine GL/Auto/WC with technology E&O to address both bodily/property exposures and professional liability.
- You represent a custom software developer that provides ongoing updates under a maintenance agreement — the Technology E&O suite is designed to cover alleged financial loss from software defects and failure to perform.
Frequently Asked Questions
What types of technology accounts are the best fit for this program?
Small to mid-size firms whose primary operations are software development, systems integration, hardware sales/installation, IT consulting, or managed services. Accounts with clear contract terms and defined SLAs are especially suitable.
Which carriers participate in this Technology program?
Markets shown on this storefront include AIG, CNA, The Hartford, The Seneca Companies, Travelers, and Zurich. Specific carrier availability depends on state and line of business.
What underwriting information should I include with a submission?
Provide revenue breakdown by product/service, copies of standard contracts or SLAs, claims and loss history, details on subcontractors or third-party code, and information about security or QA processes. This helps underwriters evaluate Professional Liability and cyber-related exposures.
Is coverage available in my insured’s state?
The program is available in the states listed on this page. Availability and admitted vs. non-admitted options may vary by carrier; confirm at submission time for the specific state.
Need help placing an account? Connect with a market specialist.