Overview of the Program from RPS Technology & Cyber
RPS Technology & Cyber's Military and Government Technology Consultant Insurance (Mili-Tech) is a wholesale-broker program built for agents placing technology firms that perform work on military bases, depots, arsenals, and federal installations. The program packages the coverages these contractors commonly need—liability, professional errors & omissions, workers' compensation and several specialty protections—so you can present a concise, market-ready proposal to clients with military or federal contracts.
Ideal Accounts and Appetite
This program is intended for technology consultants, developers, programmers, systems integrators and IT services firms that provide technology solutions, software development, cybersecurity, or technical advisory services to military or government customers. Typical fits include:
- Small-to midsize IT consultancies working on base IT modernization, software deployments, or cybersecurity projects
- Contract developers and integrators embedded at federal installations or performing managed services for military clients
- Companies that require specialized coverages such as Defense Base Act exposure or foreign liability when work occurs overseas
Generally not a fit: large prime contractors with complex multi-million-dollar programs, heavy-construction firms, or accounts with significant physical construction operations unless the exposure is strictly IT/technology-focused.
Coverage Highlights and Advantages
- Defense Base Act coverage for qualifying overseas or contractor deployments
- General Liability and Property options tailored to government site work
- Professional Liability / Errors & Omissions for software, systems design and consulting services
- Workers' Compensation solutions compatible with government contractor requirements
- Fidelity coverage (both 1st and 3rd party) to protect against employee dishonesty and theft
- Employment Practices Liability, Directors & Officers, and Fiduciary Liability for management risks
- Foreign Liability and Excess/Umbrella limits where higher protection is needed
Because RPS aggregates capacity from multiple markets, you can often obtain combined solutions that reduce gaps between professional and general liability, and that align with federal contract clauses and flow-down requirements.
Underwriting Notes and Minimum Premiums
Underwriting focuses on scope of work, contract terms, security clearances, prior claims history, subcontractor use, and whether the client performs on-site work at secured installations. Important submission items include a detailed description of services, contract copies or scopes of work, revenue by contract/client, prior loss runs, and key personnel resumes for cleared positions.
Minimum premium: Varies by carrier and risk. Expect the program to quote on a case-by-case basis—smaller technology consultancies typically qualify for lower entry premiums while accounts with Defense Base Act or foreign liability needs will have different pricing considerations.
Territories and Availability
Available through RPS Technology & Cyber in the following states and territories: 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. Admitted status: All available states (availability and specific admitted/non-admitted placements depend on the carrier selected).
Why Work with RPS Technology & Cyber on This Business
As a wholesale broker, RPS Technology & Cyber offers targeted placement expertise for the military and government technology niche and access to multiple carriers with relevant appetite. Working with RPS can shorten the placement cycle by combining the specialized coverages your clients need into coordinated quotes. You’ll benefit from program-level knowledge of government contract exposures and from underwriting relationships that understand tech and defense-adjacent risks.
Example scenarios:
- You have a client that develops command-and-control software and is contracted to deploy on a military base—Mili-Tech can combine professional liability with property and workers' comp tailored to base access requirements.
- You represent a small cybersecurity firm performing vulnerability assessments for federal agencies; RPS can assemble EPL, D&O, and fidelity protection alongside professional liability to match contract conditions.
Carriers and capacity are various and are chosen per risk. If you have a technology client with military or federal contracts, RPS Technology & Cyber's Mili-Tech program can help you assemble the coverages and markets necessary to place the business.