StandardVerified Q1 2026
Source: Guard Insurance Group – Business Insurance
Guard Insurance Group: Technology Companies Insurance Appetite
Guard can handle the premises and operations liability for small tech firms but lacks E&O and cyber coverage. Best used in combination with a tech E&O market like Coalition or Hiscox. Works well for IT service companies and consultants who need basic GL and BOP.
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Workers' Compensation |
| Commercial Auto |
| Umbrella/Excess |
Premium Range
$1,000-$8,000
Typical annual premium
Target States
All 50 states + DC
Key Features
- BOP covers IT consultants, MSPs, and web development firms
- Workers' comp for office-based tech employees
- Competitive rates for low-hazard technology operations
- Same-day bind available for qualifying risks
- Berkshire Hathaway backing for financial stability
Limitations
- No technology E&O or cyber liability available – must be placed separately
- SaaS and platform companies may not fit BOP eligibility criteria
- Hardware manufacturers are excluded
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