U.S. Risk Insurance Group, Inc. offers a comprehensive Technology Insurance program tailored for businesses across the technology sector. As an experienced excess & surplus lines broker, U.S. Risk delivers flexible coverage solutions and access to a range of non-admitted and specialty carriers to help you place hard-to-place or complex tech risks.
Ideal Accounts and Appetite
U.S. Risk’s Technology Insurance program is designed to address the risk management needs of businesses operating in four core technology sectors. The program fits both standard and more complex placements, including accounts with international exposure.
- Telecommunications companies — internet service providers, VoIP providers, wireless and fixed-line communications firms.
- Information technology companies — software publishers, SaaS providers, managed service providers, IT consultants and system integrators.
- Medical technology companies — developers and manufacturers of medical devices, diagnostics, and health IT platforms.
- Electronics manufacturing — OEMs and component manufacturers for consumer, industrial and specialty electronics.
This program can also accommodate manufacturers, distributors, or service providers with operations or product distribution overseas.
Coverage Highlights and Advantages
U.S. Risk offers broad, customizable technology-focused coverages so you can assemble a package that matches your client’s exposures. Typical coverages include:
- Professional liability / errors & omissions for technology services and software
- Cyber liability and data breach response and remediation
- Product liability and completed operations for manufactured tech components
- Property and equipment coverage for labs, manufacturing floors, and data centers
- General liability and umbrella/excess layers to round out placements
Beyond policy limits and forms, the program adds value with services that help reduce and control loss, such as:
- Risk management consulting and tailored loss controls
- 24-hour claims hotline for fast incident response
- Analytical services and access to engineering laboratories for product testing and failure analysis
These capabilities help you present stronger, more defensible submissions and improve the insured’s incident response and product safety posture.
Underwriting Notes and Minimum Premiums
Underwriting is flexible and handled by brokers experienced with technology exposures. Appetite and minimum premium will vary by class, revenue, product complexity, and the combination of coverages requested. Because U.S. Risk operates in the E&S market, it can consider accounts that fall outside the scope of standard admitted markets.
For detailed guidance on attachment points, limits, or minimums for a specific submission, contact U.S. Risk underwriting to discuss the account profile and required underwriting information.
Territories and Availability
This program is available to agents and brokers in all 50 states and the District of Columbia. U.S. Risk has carrier access and placement solutions that support clients whether they are regional, national, or have international operations or product distribution.
Why Work With U.S. Risk
U.S. Risk brings deep E&S expertise in technology and product liability risks. As a long-standing excess & surplus lines broker, they provide access to specialty markets, pragmatic underwriting, and hands-on service designed for brokers placing tech business.
You benefit from: targeted market access, experienced underwriting that understands technology and manufacturing exposures, and supplemental services—claims support, lab analysis, and risk management—that help control losses and preserve client relationships.
Example placements that fit the program: you might have a mid-sized medical device manufacturer needing product liability and cyber coverage for a cloud-connected device with global distribution, or a regional MSP expanding into managed security services that requires professional liability and cyber limits beyond admitted market appetite.
Frequently Asked Questions
What types of accounts are a good fit for this program?
The program is well suited for telecommunications firms, IT service providers, medical technology manufacturers, and electronics OEMs and component makers — including those with cross-border operations or global product distribution.
Is cyber liability included in the coverage?
Yes. Cyber liability and data breach coverages are available and can be tailored to the insured’s specific exposures and incident response needs.
Can U.S. Risk help with hard-to-place technology risks?
Yes. As an E&S broker, U.S. Risk can access non-admitted markets and provide flexible underwriting for complex, unique, or higher-hazard technology accounts that admitted carriers may decline.
What kind of support does U.S. Risk offer beyond coverage?
U.S. Risk provides risk management consulting, a 24-hour claims hotline, and analytical and engineering resources to support product testing and incident investigation.
Are minimum premiums required?
Minimums vary by class of business, coverages selected, and the account’s risk profile. Contact U.S. Risk underwriting for guidance on minimum premiums and submission requirements.
Need help placing an account? Connect with a market specialist.