U.S. Risk Insurance Group, Inc. offers a comprehensive Technology Insurance program tailored for businesses across the tech industry. As an experienced excess and surplus lines broker, U.S. Risk provides agents and brokers with flexible coverage solutions and access to top-tier carriers, with most markets available on a non-admitted basis.
Ideal Accounts and Appetite
U.S. Risk’s Technology Insurance program is designed to meet the complex risk management needs of businesses operating in four key technology sectors:
- Telecommunications Companies – including internet service providers, VoIP services, and wireless communication firms.
- Information Technology Companies – such as software developers, managed service providers, and IT consultants.
- Medical Technology Companies – including developers and manufacturers of medical devices, diagnostics, and health IT platforms.
- Electronics Manufacturing Companies – covering OEMs and component manufacturers in consumer, industrial, and specialty electronics.
This program can also accommodate clients with international operations or those who distribute or service technology products overseas.
Coverage Highlights and Advantages
U.S. Risk provides broad and customizable technology insurance coverage, helping your clients manage critical exposures such as:
- Professional liability and errors & omissions
- Cyber liability and data breach
- Product liability for manufactured tech components
- Property and equipment coverage for tech facilities
- General liability and umbrella/excess coverage
Beyond coverage, U.S. Risk enhances value with specialized services, including:
- Risk management tools and consulting
- 24-hour claims hotline
- Analytical services and access to engineering laboratories
This combination of broad coverage and hands-on support helps you deliver competitive solutions to your tech sector clients.
Underwriting Notes and Minimum Premiums
Minimum premiums vary based on the class of business, coverage selected, and risk profile. U.S. Risk underwriters are experienced in the nuances of tech-related exposures and can assist with customized risk assessments to align with your clients’ needs.
Because this is an E&S program, flexible underwriting is available for accounts that may fall outside standard markets.
Territories and Availability
This program is available to agents and brokers in all 50 states, including the District of Columbia. Whether your client is based in California, Texas, New York, or a smaller market like Vermont or Wyoming, U.S. Risk has access to carriers and solutions to meet your placement needs.
Why Work With U.S. Risk
U.S. Risk brings deep expertise in complex and emerging risks within the technology sector. As an established excess and surplus lines broker, the company offers access to a wide range of markets and carriers to help you find the right fit for your client. With responsive service, risk management support, and flexible underwriting, U.S. Risk is a trusted partner for agents placing technology accounts.
You might have a client who manufactures smart medical devices with global distribution or a regional IT services firm expanding into cybersecurity consulting—this program is built to handle both scenarios and more.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for telecommunications companies, IT service providers, medical technology firms, and electronics manufacturers, including those with international operations.
Is cyber liability included in the coverage?
Yes, cyber liability and data breach coverages are available and can be tailored to the specific exposures of the insured.
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 or non-standard tech accounts.
What kind of support does U.S. Risk offer beyond coverage?
U.S. Risk offers risk management tools, a 24-hour claims hotline, and access to analytical and engineering services to support insureds proactively.
Are minimum premiums required?
Minimum premiums vary depending on the risk and coverage selected. Contact U.S. Risk underwriting for guidance on specific submissions.
Need help placing an account? Connect with a market specialist.