Colonial General Insurance Agency, Inc. offers a specialized Computer and Technology Insurance program designed to address the unique risks faced by IT professionals, computer consultants, software developers, and other technology-related businesses. Our goal is to equip agents and brokers with a market that delivers competitive premiums and tailored protection for clients operating in this fast-moving industry.
Ideal Accounts and Appetite
This program is a strong fit for a wide range of technology-driven businesses, including:
- Independent IT consultants
- Software developers and programmers
- Managed service providers (MSPs)
- Computer repair technicians
- Web developers and technology start-ups
Accounts that provide consulting, software solutions, or help desk services typically align well with carrier underwriting criteria. Risks involving heavy data exposure or enterprise-level network security may be evaluated more closely.
Coverage Highlights and Advantages
We offer access to a range of carriers, allowing for flexibility in both coverage and pricing. Key coverage options include:
- Errors and Omissions (E&O) Insurance tailored for IT professionals
- Professional Liability coverage to protect against service-related claims
- General Liability available on certain accounts, subject to underwriting
- Various limits and deductible structures to meet client needs
*Coverages and premiums vary based on the carrier selected for the risk.
Underwriting Notes and Minimum Premiums
Each submission is reviewed based on the carrier's underwriting guidelines. We work with a variety of markets, giving us the flexibility to find solutions for both standard and more complex risks. While pricing is competitive, there is no specified minimum premium listed, allowing for a case-by-case approach to each submission.
Territories and Availability
This program is available to appointed agents and brokers in the following states:
- Arizona (AZ)
- California (CA)
- Colorado (CO)
- Idaho (ID)
- Nevada (NV)
- New Mexico (NM)
- Utah (UT)
- Wyoming (WY)
Some markets may be available on an admitted basis, depending on the risk and carrier selection.
Why Work With Colonial General?
As a Managing General Agency (MGA) and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche insurance solutions for technology professionals. We are committed to supporting our producing agents with responsive service, underwriting knowledge, and access to competitive carriers. Whether you're placing a solo IT consultant or a growing tech firm, we aim to make the process smooth and efficient.
Example: You may have a client who provides cloud-based accounting software to small businesses. This program can help you secure professional liability coverage tailored to their services, along with general liability if needed.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for IT consultants, software developers, tech start-ups, MSPs, and similar technology-driven businesses.
Is General Liability included with the policy?
General Liability can be included on select accounts, depending on the carrier’s underwriting guidelines.
Are admitted markets available?
Yes, some admitted markets are available, depending on the risk profile and the selected carrier.
Which states is this program available in?
This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Can I get multiple limit and deductible options?
Yes, various coverage limits and deductible structures are available to meet your client's specific needs.
Need help placing an account? Connect with a market specialist.